The Affordable Care Act led to health insurers giving $1.1 billion in customer rebates in 2011 under the medical loss ratio provision, Sarah Kliff writes. In addition, state regulators lowered or rejected more than 900 filings for rate increases in 2010, she writes. However, Aon Hewitt says the law's added requirements for benefits have played a part in increasing some premiums, particularly in the individual market, although large employers saw only a minor change.

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