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GAO Report: Early Indicators Show That Most Private Health Insurers Would Have Met or Exceeded New Medical Loss Ratio Standards
U.S. Government Accountability Office [GAO] 
Dec. 1, 2011
16 pages. "Congress asked us to conduct an analysis of insurers' 2010 MLR data. We addressed two questions: [1] What can be learned from the 2010 MLR data regarding how reported MLR data varied by different insurer characteristics? [2] To what extent did the credibility adjustment, PPACA MLR formula, and reporting requirements affect insurers' 2010 MLRs?" [GAO-12-90R, published Oct. 31, 2011, released Nov. 30, 2011]
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