"The policies and parameters announced today give consumers, insurers, and other stakeholders across the health care industry ample time to prepare for implementing top priorities in 2022. Those priorities include: [1] Lower premiums.... [2] Flexibility to help states develop their own health care programs that meet unique local needs.... [3] New options for states to develop next generation Exchanges that leverage web-brokers and insurance issuers for the direct purchase of QHPs.... [4] Protective provisions for consumers covered through certain health reimbursement arrangements (HRAs).... [5] Greater clarity on building plans that lack a traditional provider network."