ACA document (Photo: Shutterstock)

Insurers estimate they will issue about $1.1 billion in medical loss ratio (MLR) rebates across all commercial markets in 2023, according to a new report from KFF. Final rebate data will be available later this year, and some insurers have not yet filed their 2023 rebate estimates.

The MLR provision of the Affordable Care Act limits the amount of premium income that insurers can keep for administration, marketing and profits. Insurers that fail to meet the applicable MLR threshold are required to pay back excess profits or margins in the form of rebates to their enrollees.



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