"[T]he 2021 AV Calculator did not maintain the same relationships among metal levels that existed in prior years.... It is important that a single standard population be used for all metal levels ... in particular to ensure morbidity differences are not reflected across the metal levels' AVs. It appears that CMS is reflecting morbidity differences in the continuance tables, or otherwise using inconsistent populations for the determination of actuarial values across different metal tiers."  MORE >>