In spite of predictions by reform law opponents and objective analysts alike that Medicare Advantage enrollees would face higher premium rates when the Affordable Care Act was signed into law, the Department of Health and Human Services (HHS) finds that insurers, beneficiaries, and taxpayers have all benefited. In fact, premium rates for seniors enrolled in Medicare Advantage, the private insurance options contracted by the Medicare program, fell this year and are expected to decline an additional 4% in 2012.