A trusted independent health insurance guide since 1994.

Call for a quote
 1-844-308-3256
Call for quote: 1-844-961-0503
Health insurance FAQs

The House passes the ACA, 3/21/10. Official White House Photo by Pete Souza

find a plan

Home > Obamacare > consumer protections

Obamacare articles by category

consumer protections

Ten states receiving the highest medical loss ratio rebates.

Billions in ACA rebates show 80/20 Rule’s impact

Ever since 2012, millions of Americans have received rebates from their health insurers each fall, refunding portions of prior-year… Read more

The Affordable Care Act's medical loss ratio (MLR) returned $707 million to 5.96 million American consumers in its seventh year.

ACA’s 2018 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

Will your health insurance company "map" you to a new plan?

How to avoid the surprise of health plan ‘mapping’

If you don't return to the exchange to select your coverage for 2018, you could be in for an alarming surprise: an entirely different plan… Read more

The Affordable Care Act's medical loss ratio (MRL) returned $447 million to 3.95 million American consumers in its sixth year.

ACA’s 2017 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

The Affordable Care Act's medical loss ratio (MLR) returned $397 million to 4.9 million American consumers in its fifth year.

ACA’s 2016 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

The Affordable Care Act's medical loss ratio (MLR) returned $469 million to 5.5 million American consumers in its fourth year.

ACA’s 2015 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

The Affordable Care Act's medical loss ratio (MLR) returned $332 million to 6.8 million American consumers in its third year.

ACA’s 2014 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

The Affordable Care Act's medical loss ratio (MLR) returned $519,313,127 to 8.9 million American consumers in its second year.

ACA’s 2013 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

The difference between marketplaces.

Know your health insurance exchanges

The ACA-created health insurance exchanges will be up and running in days, and while anticipation is running high, so is confusion. If… Read more

Protecting consumers who buy health coverage.

Consumer protections under the ACA

The health reform law did many other things besides mandate the creation of state health insurance exchanges – also known as health… Read more

The Affordable Care Act's medical loss ratio (MLR) returned $1,101,372,250 to 12.8 million American consumers in its first year.

ACA’s 2012 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

Deadly recession.

Reform promises end to deadly rescissions

Industry practices that result in health policy cancellations may soon come to an end, thanks to health reform regulations that prohibit… Read more