Health reform saved consumers $2.1 billion on health insurance premiums, the U.S. Department of Health & Human Services announced yesterday. Under the Affordable Care Act provision, insurance companies must submit their plans publicly if they want to raise rates 10 percent or more; the rate review rule helped save $1 billion. The medical-loss ratio rule, in which insurers must dedicate at least 80 percent of premiums to healthcare or else offer customers money back, spurred $1.1 billion in rebates, averaging $151 per household, HHS noted. Report (.pdf)