36 pages. "A total of 654 issuers participated in the risk adjustment program for the 2017 benefit year, of which 628 received a risk adjustment transfer, and 27 received a default risk adjustment charge in at least one risk pool.... Risk adjustment transfers as a percent of premiums slightly decreased compared to the 2016 benefit year.... Amount of paid claims is strongly correlated with risk adjustment transfers.... Risk scores overall declined by approximately 5 percent in the individual non-catastrophic risk pool and 6 percent in the small group risk pool."

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