The Affordable Care Act, signed into law by President Obama in 2010, has various provisions that kick in starting this year. One provision requires that insurance companies spend a certain percentage of health insurance premiums on medical care for their insured instead of administrative costs. The intent is to make sure that premium increases are used to pay for medical care and not for executive salaries, shareholder dividends, or general administrative costs unrelated to patient care. http://ow.ly/cv2L1