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Beyond Rebates: How Much Are Consumers Saving from the ACA's Medical Loss Ratio Provision?
Henry J. Kaiser Family Foundation Link to more items from this source
June 6, 2013
"The majority of plans sold to small and large businesses were already in compliance with their respective MLR thresholds before the law went into effect, and our analysis shows that traditional MLRs (claims divided by premiums) for group plans have stayed relatively flat over the past three years. In the individual market, by contrast, fewer than half of plans were in compliance with the ACA's MLR thresholds in 2010, and the average traditional MLRs in this market have been steadily increasing since the requirement went into effect.... This year, individual market insurers are expecting to issue $241 million in rebates (based on our analysis of early estimates from insurers filed with state insurance departments), bringing the total estimated savings for 2012 to $2.1 billion."

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