Law360, New York (September 16, 2016, 2:42 PM EDT) -- As of the end of 2016, the Patient Protection and Affordable Care Act will have been implemented for a full three years. Data available for the first two reporting years (2014 and 2015) for which health insurers and managed care companies have reported pertinent data, such as premiums earned, cost-sharing reductions received, medical loss ratio and risk adjustment data, is discouraging. Perhaps the area with the greatest shortcomings has been the ACA’s risk adjustment program (as authorized by 42 U.S.C. § 18063).

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