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Obamacare MLR Rebate May Mean Perks, Day Off From Health Costs
Forbes; subscription may be required 
Aug. 15, 2012
"Lower premiums, a day off from health costs or maybe a wellness visit may be headed to certain workers in the coming months thanks to a part of the federal health law that requires a rebate from plans that don't spend at least 4 of every 5 premium dollars on medical care.... The medical-loss ratio requirements affect state-regulated health plans, which are expected to be the main choice of uninsured Americans when they shop for health benefits on insurance exchanges expected to begin operating by 2014. The rules do not impact self-insured health plans that are generally offered by large companies."
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