"Since the [MLR] rule was enacted in 2011, more than $2.4 billion in total refunds will have been paid to consumers, including refunds for 2014.... For 2014, 3.7 million families representing a total of over 5.5 million consumers, are receiving approximately $470 million in refunds this year. The average refund per family is $139 in the individual market, $134 in the small group market, and $102 in the large group market." [An accompanying chart details MLR refunds by state.]