Invincibles weren’t the only folks courted during the 2014 HIX open-enrollment season. So were insurers. And in order to convince enough of the latter group to sell their products in public exchanges, so-called risk corridors were established through 2016 to make it worth their while.

Financial assistance is available to insurers if their HIX claims cost at least 3 percent more than their premium revenue and it would be funded with payments from insurers that earn a profit of 3 percent or more. The temporary program has been called everything from a “subsidy” and “safety valve for consumers and insurers” to a “taxpayer bailout.”

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