Maintaining the "user fee" for qualified health plans at 3.5 percent of monthly premium; setting a firm open enrollment date; lowering the "attachment point" for reinsurance coverage in 2015; and setting the 2016 annual per member reinsurance fee are among the myriad policies in a massive rule proposed Friday (Nov. 21) that establishes 2016 standards for exchange plans. The proposed Notice of Benefit and Payment Parameters for 2016 would also codify recent guidance requiring employer plans to offer in-patient hospital...