Human Resources
Employers Need to Address Medical Loss Ratio Rebates Paid by Health Insurers

Employers Need to Address Medical Loss Ratio Rebates Paid by Health Insurers


Under the Patient Protection and Affordable Care Act (Affordable Care Act), health insurers are required to pay rebates to group health plan policy holders if the insurers do not meet the new medical loss ratio (MLR) rules that became effective in 2011. The Aon Hewitt bulletin below describes an employer’s responsibilities under the Employee Retirement Income Security Act (ERISA) and the MLR rules with respect to the treatment of rebates. The bulletin analyzes:
  • The MLR rules on rebates; 
  • The U.S. Department of Labor (DOL) guidance on MLR rebates;
  • Insurer notification of MLR rebates; and
  • Next steps for employers.

Download the Employers Need to Address MLR Rebates PDF