Insurers must start disclosing information regarding insurance coverage they provide to their consumers and, if they spend less than 80 percent of premium dollars on healthcare, they must rebate consumers. The U.S. Department of Health and Human Services predicts that insurers will be returning about $323 million to consumers this year, according to UPI.

"We're taking a big step toward making insurers accountable to consumers," HHS Secretary Kathleen Sebelius said. "Some of these insurance companies have already changed their behavior by lowering premiums or spending more on medical care and quality improvement, while the remainder will need to refund this money to their customers this year." To help insurers with the rebate process, HHS released a proposed consumer notice and is seeking public comment to ensure they are useful and transparent tools for consumers. Article