The ACA's medical loss ratio provision has resulted in consumers saving $9 billion on their insurance premiums since 2011, and about $1.9 billion of that amount came in the form of rebates from insurance companies to enrollees, according to HHS data released July 24. The MLR provision requires that insurers spend at least 80 percent of premium dollars on medical care and quality improvement activities, otherwise they must pay rebates. In 2013, most of the rebates came from the individual...