Analysts at Standard & Poor's say the new federal health insurance risk management programs could end up working reasonably well.

Whether the "3 Rs" programs and the public exchanges succeed or not, most of the big carriers trying to write commercial "qualified health plans" should do fine, the analysts say.

S&P gave that assessment in a 2014 forecast released Monday.

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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.