www.dailykos.com/story/2013/07/18/1224703/-President-Obama-highlights-middle-class-savings-under-nbsp-Obamacare
"About 8.5 million people are going to get a check from their insurance company this summer. Yes, you read that right: Health insurance companies are actually sending money to subscribers. That's because of a provision in the Affordable Care Act that insurance companies hate more than just about any other: the medical loss ratio. That just means that there is a cap on how much of your premium dollars the insurance companies can spend on administrative costs and keep as profits. Under Obamacare, 80 percent of your payment has to go to your care."
