The law makes sure health care dollars are spent wisely and helps control costs. If insurance companies don’t spend at least 80 percent of your premium dollar on medical care and quality improvement activities, rather than advertising and bonuses for executives, they will have to provide you a rebate. The first rebates will be made in the summer of 2012. And starting September 1, 2011, in every State and for the first time ever, insurance companies are required to publicly justify their actions if they want to raise rates by 10 percent or more
