The U.S. Department of Health and Human Services called out a Pennsylvania health insurance company this week for an "unreasonable" rate increase. Temple health economist Thomas Getzen says the government's message is a signal to all insurance firms. "If you scream at somebody they will usually cut prices at least for a little while," Getzen said. "It's worked in pharmaceuticals and with hospitals." Under the Affordable Care Act, federal actuaries step in when officials decide a state doesn't have enough authority. In Pennsylvania, federal officials are reviewing rate increases for the insurance companies that sell to employers with fewer than 50 workers.