Greg Fann, FSA, FCA, MAAA, EA interviews Daniel Cruz, ACA, MAAA, about his recent article The Gold Rush and the Lionfish: Optimizing the Unique Dynamics in ACA Markets. Mr. Cruz expands on the nonintuitive but important consumer value indicators discussed in his article, which he utilized to develop a state ranking of ACA market attractiveness in 2020. The merging of a new government program with an existing private market requires understanding of new mechanics not seen with traditional programs; Mr. Cruz explains what stakeholders need to comprehend.