State insurance regulators should ensure carriers are able to update any 2021 provisional rates to include new information on COVID-19, and a neutral panel of experts should create guidance on how to handle those costs, health care experts say in a recent blog post on the rate review process. Former CMS exchange head Joel Ario and Katherine Hempstead, senior policy advisor for the Robert Wood Johnson Foundation, also recommend lawmakers establish federal risk mitigation programs to prevent insurer losses and...