Business Driver In March 2010 the federal government regulated comprehensive healthcare reform through passage of the Patient Protection and Affordable Care Act (ACA). While some provisions of the law have already taken effect, many more will be implemented in the coming months as the law significantly changes the way healthcare companies will do business. One part of the ACA is a series of risk-spreading programs commonly referred to as “3R” (for Reinsurance, Risk Corridors, and Risk Adjustment), which is intended to mitigate the impact of potential adverse selection and stabilize premiums in the individual and small group markets as insurance reforms and exchanges are implemented. With these 3R regulations targeted to go in effect in 2014, a top-5 healthcare payer engaged Trex

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