It’s all just accounting tricks.
Yes, injecting a bunch of new people into the system who pay nothing (thanks to subsidies) allows rates to be raised on a lot of other people while still “lowering” costs. Throw in rationing (which is happening too) and costs go down further.
Guess what? If back in school I’d forget to submit an assignment, that zero would pull my average down even if I increased my grades elsewhere ...
Its the little devil in the details they don't want you to know about. All to cover Obama's incompetent rear end.