The Department of Health and Human Services is working to carry out a key piece of the Health Reform law that requires insurance companies to pay rebates to consumers if most of their premiums aren’t spent on their health care.

The law requires insurance companies to spend at least 80 percent of a consumer’s premium on the customer’s medical care, rather than administrative costs or advertising. Large insurance companies have to dedicate 85 percent of a consumer’s premium to medical coverage. Keep reading →