SEC. 102. ENSURING VALUE AND LOWER PREMIUMS.
(a) GROUP HEALTH INSURANCE COVERAGE.--Title XXVII of the Public Health Service Act is amended by inserting after section 2713 the following new section:
``SEC. 2714. ENSURING VALUE AND LOWER PREMIUMS.
``(a) IN GENERAL.--Each health insurance issuer that offers health insurance coverage in the small or large group market shall provide that for any plan year in which the coverage has a medical loss ratio below a level specified by the Secretary (but not less than 85 percent), the issuer shall provide in a manner specified by the Secretary for rebates to enrollees of the amount by which the issuer's medical loss ratio is less than the level so specified.

Discussion in extended entry and comments.

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Well I have been reading through the Boehner Amendment to HR3962 and it is worse than I could have imagined. In fact it is a fricking nightmare. Someone tell me I have got this wrong. Or remove all sharp objects within my reach. Because they cannot be this brazen.
http://docs.house.gov/rules/health/111_h r3962_boehner_sub.pdf

It starts innocently enough. Under Title II of the Boehner amendment employers are allowed to auto-enroll employees in any plan they choose. Employees can opt out but as near as I can see employers have no further obligation. Okay that's not good, but not much different than today.

Title III introduces a ringer. Although the Title is called Expanding Choices by Allowing Americans to Buy Health Care Coverage Across State Lines what it really means is that insurers can simply pick any state they like as their 'primary state' and be governed almost entirely by its rules in selling into 'secondary states'. Okay that is really not good, think how many credit card companies are officially based in South Dakota because of its lenient laws. But now things get nightmarish. See extended entry.

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