“Under the 136-page rule, the federal government will now decide what counts as an ‘unreasonable’ rate increase, and HHS Secretary Kathleen Sebelius wrote to Governors yesterday urging them ‘to prevent unjustified and excessive health insurance premium growth.’ Apparently, ‘unreasonable’ means rate increases that exceed 10% next year, except when it doesn’t. If an insurer crosses this arbitrary threshold, ‘The review process would then determine if the increase is, in fact, unreasonable.’ So that’s cleared up.”