This year is coming to a close on a more positive note for the Affordable Care Act, with the administration announcing that more than 2.5 million people had selected a plan through healthcare.gov by the Dec. 15 deadline for Jan. 1 coverage, and many more have signed up through state exchanges. The administration also last week issued its draft 2016 letter for issuers in the federally-facilitated exchanges, revealing that insurers must submit their QHP applications by April 15, with agreements...