I for one, hope the care ratio falls under 80% for 2017. That would trigger a premium rebate, and this time it wouldn't be because of worthless risk corridor IOU's they had to count as income in the 2014 through 2016 plan years.
 The biggest cost driver due to risk factor right now is the huge uncertainty the Republicans have caused in the market. The insurance companies have to set rates right now, and the Republicans have no clue what they are going to do. Uncertainty is expensive.