Moody's has upgraded its rating for the healthcare industry from negative to stable. Moody's found that insurers have, for the most part, adapted to the Affordable Care Act and will be able to minimize risk, despite looming legal and financial scrutinies. Moody's also said that the outlook is improving for the industry's effort to lower utilization of medical services, while insurers show promising growth in Medicare Advantage enrollment. However, Moody's expressed concern over healthcare costs, especially out-of-pocket costs due to higher deductibles. Announcement