AUSTIN — There are a lot of reasons why the U.S. insurance market is still so complex and expensive.

But one of them is that insurance companies continue to tweak their metrics to try to keep consumers happy.

For the most part, insurers use these metrics to make a profit, but some use them to gauge the market’s health.

The industry is trying to make up for that.

The latest version of the Federal Insurance Market Study is available for download from the Centers for Medicare and Medicaid Services website.

The report shows that about 2.7 million people are insured through Medicare, the government-run health care program for the elderly and disabled.

It’s the largest single-payer program in the country, and it was built on a model that many insurers have adopted.

The model, known as cost-sharing reduction (CSR), is a voluntary program that insurers provide to low-income people and businesses to lower their premiums.

The idea is that the money from the program goes to help people afford insurance, rather than covering expenses like deductibles and copays.

In a typical year, Medicare pays insurers $5 billion a year to cover its costs.

About a third of that money goes to insurers to pay for premiums, deductibles, and other out-of-pocket expenses, while the remaining is supposed to go to health care providers.

It’s a model designed to reduce the cost of health care.

And for insurers, it can help them make money, because it’s easier to make money when you’re not worried about paying bills, says David Zuckerman, an analyst at The Century Foundation.

“Cost sharing reductions have been a big driver of our economic growth over the last several decades,” Zuckers says.

But it’s also been a tough model for insurers to keep working, he says.

Insurers are trying to do things differently.

They are shifting the costs of health insurance to the patients and the health systems, and the cost sharing is being driven by that, rather the government, says Scott Besser, a senior fellow at the conservative Heritage Foundation.

“There is a recognition that we need to make the most of the marketplace, and that cost sharing reductions are a critical part of that,” Bessers says in an email.

Insurers like to claim that they don’t have to cover all the costs, but in fact they do.

For example, some of the costs are paid by the insurer.

Some of them are paid to doctors and hospitals, some by Medicare and the federal government.

So, what are the changes?

The changes include a number of changes in how insurers are tracking and measuring how well they’re doing in the marketplace.

They’re trying to get rid of the old data and instead look at their costs.

They also are making some changes to their processes.

They are not changing the way they treat people with pre-existing conditions, such as people with chronic conditions.

The changes will allow insurers to adjust premiums to cover those with preexisting conditions and keep premiums high for people who have them.

The changes will also allow insurers that offer health plans to cover people with disabilities, including those with disabilities that have been diagnosed with cancer.

That change would let them provide coverage to people with severe mental health disorders or mental illnesses that are life-threatening, such a substance abuse disorder.

Some insurers are trying out some of these changes to get insurers to adopt them.

But most are still trying to work out how to make their prices competitive with competition from the private market.

The marketplaces have been open for three years, and there have been some challenges.

A number of insurers have seen some price spikes and the exchanges have seen their numbers fall in some states.

The exchanges also haven’t been able to reach everyone who needs health care, which has contributed to a lot more expensive coverage for people with preextended conditions.

Insurance companies are also trying to figure out how they’re going to keep pace with a changing landscape.

They’ve had to figure how to compete with the growth of health IT, which is increasingly needed by hospitals, doctors and other health care professionals.

The Centers for Medicaid and Medicare Services said in a statement it is aware of the changes and has made a number changes to its data.

Insurer Cigna, for example, said in its latest quarterly financial statement that it has implemented “significant cost-savings initiatives and a number new technology capabilities” in response to the changes.

Cigna is using data to track its business and the quality of care it provides to its patients.

That’s a good thing, says Mark Smith, a managing director at Aite Group.

The way Cignas business is done, it needs to be transparent.

As it becomes more transparent, and more efficient, Cignans business will improve, he adds.

But some insurance companies are trying harder to make themselves more competitive.