Under the reform of health care, health insurance companies must spend at least 80 percent of individual premiums and small group plans and spend 85 percent of premiums on medical insurance large group plans. If insurers do not meet these requirements, they will be liable for discounts on consumers.
the national Association of insurance Commissioners (NAIC), which is responsible for determining the MLR definitions, voted unanimously for a preliminary sketch for the MLR as Hill .While amendments NAIC has yet to take final decisions on the RLM, and they proposed a deposit document for health plans to submit to regulators that the reports of premium costs.
Like Democrats and state regulators have applied strict regulations on health insurers to protect consumers, health insurers plead for stricter rules.
"Health Insurance Plans, believes NAIC" Karen Ignagni, president and chief executive of America leads a transparent and thorough process as it develops the MLR definition, but the current proposal could have the unintended consequence of -the-clock cusp on efforts to improve patient safety, improve quality of care, and the fight against fraud. Preserve patients' access to high quality health care services is essential if the key objectives of the reform of health care are to be achieved. "
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