In testimony submitted to the Senate Finance Committee: “Lower Health Care Costs for Americans: Understanding the Benefits of the Inflation Reduction Act” on September 17, 2024, Theo Merkel referenced two Paragon Institute articles co-authored by AHP Consulting Actuary Greg Fann – The Shortcomings of the ACA Exchanges: Far Less Enrollment at a Much Higher Cost and It’s Not Just the Prices: ACA Plans Have Declined in Quality Over the Past Decade.