Small victories, especially when they're all you've got, have to be savored.

You have to get a few first downs before you make it to the goal line. And though it might take a little longer, a few back-to-back singles are just as good as a single home run.

So that's what ran through my head as I read the news today, oh boy (with apologies to John and Paul). Federal regulators ruled employers could change insurers without giving up their grandfathered status. In a rare vote of solidarity, the Departments of Labor, Treasury, and Health and Human Services declared that forcing employers to stick with a particular plan just to keep their grandfathered status amounted to unfair competition (or a complete lack thereof).

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