The Obama administration keeps changing the rules on implementing the Affordable Care Act. Insurance companies keep complaining. But they're unlikely to grouse about the latest adjustment. On Tuesday the Department of Health and Human Services signaled its intention to temporarily give insurers a break on the portion of premiums they must spend on medical care or return to policyholders. The switch could shrink consumer rebate checks. But considering what insurers have gone through with balky online marketplaces and shifting regulations, even consumer advocates don't seem to object.