Most insurers last year would have complied with the medical-loss ratio (MLR) requirements, according to a new report from the Government Accountability Office (GAO), which found that 77 percent of insurers in the large group market and 70 percent in the small group market would have met or exceeded the new standards. However, only 43 percent of insurers in the individual market would have met the MLR, likely because they had higher expenses for brokers' fees and commissions, notes the GAO. Report (pdf.)