Federal regulators' efforts to help consumers cope with public exchange enrollment problems could hurt carriers.

Steve Zaharuk, an analyst at Moody's Investors Service, says the exchange plan timeline changes announced late last week reveal "an unstable and evolving regulatory environment."

Making changes "well after insurers have had to commit to product and pricing decisions" could make the new plans harder to run and expose carriers to greater risks, Zaharuk says in a new commentary.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.