Health care regulations in the United States were not designed to keep Americans healthy. The best example of this is what’s known as the medical loss ratio (MLR). This federal requirement establishes ...

One much vaunted part of the Patient Protection and Affordable Care Act (aka "Obamacare") is the idea that health insurance premiums should actually be spent on providing people with health care. A ...

This study investigates the potential impact of new medical loss ratio regulation on the individual market for health insurance in the United States. Using data from the National Association of ...

A Kaiser Family Foundation study confirms other reports that the pandemic has added to health insurer profits and margins, but that the impacts of pent-up consumer demand for delayed care and of ...

People don’t like uncertainty. In times of change, however, the unknown dominates the landscape. For health insurance brokers, the new health care reform legislation has created uncertainty of ...

The medical loss ratio and its required spending on medical care creates a perverse incentive for people to spend more money on medical services, according to Margaret E. O’Kane, MHA. She added that ...

Beginning in 2011, the Affordable Care Act will require health insurance companies to spend a minimum percentage of the premiums they collect on health care services and quality improvement activities ...