The discovery of misaligned ACA metal-level premiums by Consulting Actuary Greg Fann and Actuary Daniel Cruz was referenced in a recent Health Affairs blog post. They noted the resulting adverse implications for ACA enrollees due to premium misalignment and have advocated for more focused state reviews of premium rates. The blog post continues a theme expressed in The Actuary this summer: “President-elect Biden doesn’t need to rely on Congress” and new legislation to accomplish the continuing trend of ACA market improvements.