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Comments of Galen Institute on Medical Loss Ratio Requirements
Galen Institute Link to more items from this source
[Opinion]
Feb. 1, 2012

"The MLR rules as drafted discriminate against Health Savings Accounts (HSAs) and similar high-deductible health plans in a number of ways. These accounts provide employers, employees, and individuals with an option to purchase coverage with a larger deductible so that the polices function more like traditional 'insurance' -- covering medical expenses above a certain threshold.... The Galen Institute respectfully requests that HHS exempt HSAs and other high-deductible health plans from the MLR requirement[.]"

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