"[Marilyn Tavenner, head of America's Health Insurance Plans,] rattled off her wish list for the Obamacare exchanges, including the need to market to more young, healthy Americans. She also noted that two of the '3Rs' -- risk corridors and reinsurance, meant to help health plans through the first difficult stages of the ACA -- are scheduled to be phased out. That places more of a burden on the last 'R' -- the risk-adjustment program, which has been frustrating for insurers."