Car­ri­ers sell­ing indi­vid­ual plans now have a prob­lem due to the expi­ra­tion of two key pro­vi­sions of the Afford­able Care Act which are due to expire in 2016. These are col­lec­tive­ly called “The Three R’s” – risk adjust­ment, rein­sur­ance and risk cor­ri­dors. With­out these addi­tion­al pro­tec­tions, car­ri­ers will be forced to look direct­ly at their loss­es on this book of busi­ness and adjust their rates accordingly.