The Department of Health & Human Services has issued interim rules regarding the minimum medical loss ratio (MLR) that insurers must meet.  The basic rule states that insurers in the large group market must pay out a minimum of $0.85 of every premium dollar received in medical expenses and health care quality improvement activities while insurers in the small group market must pay out $0.80.  Insurers that fall short of this level will be required to provide a proportionate rebate to each enrollee covered by the insurer.  You can read the linked Legislative Update to learn more about what falls into the various categories.  Just click on HHS MLR Rules.  The picture below shows an illustration of how your health care premiums are spent according to the American’s Health Insurance Plan.  I wish all of you a very healthy and Happy Thanksgiving.