The Department of Health and Human Services (HHS) proposed Patient Protection and Affordable Care Act benefit and payment parameters for the 2022 coverage year that could cause significant health costs. We submitted comments on several elements of the proposed rule, including (1) its authorization of entirely privatized insurance marketplaces; (2) its promotion of the use of private enrollment websites by enrollment assisters; (3) its reduction of marketplace user fees; and (4) its continued reliance on a 2019 change to the formulas used to calculate premium-adjustment percentages and cost-sharing limits for consumers.