Due to a rule in the 2010 Affordable Care Act, US health insurers generally have to spend at least 80 percent of premium dollars on health care and quality, not administrative overhead or marketing.  Insurers that don't meet or exceed this standard, are sending millions in rebates back to the consumer.

In May, insurers were required to report the refunds that will be sent out later this summer:

The rule encourages insurers to give you better value for your premium dollar and holds them accountable if they don't. This is just one way the new health care law is helping American families and businesses get a fair deal when it comes to their health care.