Health insurers across America woke up Friday to confront a looming administrative nightmare. For more than a year or longer, they meticulously crunched the numbers for their 2014 health plans, conforming them to the new mandates of the Affordable Care Act (ACA). They navigated the labyrinths of Obamacare's regulations, including the 10 essential benefits required for all plans, and they applied new rules that governed how they could calculate their costs. Then they sent these plans to state regulators. Hosts of state actuaries throughout the country reviewed the calculations, approving some, requiring revisions for others.