The Affordable Care Act increases insurance company accountability by supporting States’ review of premium increases, setting standards for the amount of premiums spent on benefits versus overhead (., medical loss ratios), and posting insurance price information for transparency. A Small Business Health Care Tax Credit, reinsurance for early retirees, and premium assistance for uninsured people with pre-existing conditions have already provided targeted relief for millions of insured and uninsured Americans, and these changes are making a difference. Preliminary evidence suggests that rate increases for 2011 may be lower than in previous years. In addition, roughly million.
