"The Final Notice allows for relatively greater risk corridor payments in states where more pre-ACA policies are extended. But the adoption of the budget neutrality criterion represents an important change that has the potential to constrain risk corridor payments significantly.... [If] promised payments exceed receipts for 2014 ... insurers whose costs exceed the thresholds will receive after July 1, 2015, lower payments, perhaps much lower, than reasonably would have been anticipated given the statute and prior HHS statements. They would likely be made whole a year later from receipts for 2015."  MORE >>