On June 20, 2013, HHS announced that health insurance consumers will save a total of $3.9 billion under the ACA’s Medical Loss Ratio (MLR) rule in 2012, including $3.4 billion in the form of reduced premiums and $504 million in rebates rules. Under the ACA MLR provision, insurers must spend at least 80% of total premium dollars collected (85% in the large group market) on medical care and quality improvement or pay a rebate to their customers for the portion of the premium that exceeded the limit. For 2012, 8.5 million enrollees are set to receive average rebates of approximately $100 per family, which insurance companies must pay by August 1, 2013. Rebates can be paid in the form of: a rebate check in the mail; a lump-sum reimbursement to the credit or debit card that paid the premium; or a reduction in future premiums.