Insurers have paid consumers a total of $9 billion since 2011 under the healthcare reform law's medical-loss ratio, the U.S. Department of Health and Human Services announced today. The average family will receive a rebate of $80 from insurers, via a direct refund or a reduction in future premiums. HHS also noted that more insurers have met the MLR rules each year since the provision took effect. In fact, more than 75 percent of insurers met or exceeded MLR standards in 2011 and in 2012, spending enough of their premium dollars on medical services to avoid paying rebates to consumers. Announcement