What are your ideas about how to make the new federal minimum medical loss ratio rules work?

The new minimum MLR rules in the Affordable Care Act (the legislative package that includes the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act) will require that, starting Jan. 1, 2011, insurers spend at least 85% of large group premium revenue and 80% of small group and invididual policy premium revenue on medical care and health care quality improvement activities.

Feel free to express your views about the minimum MLR concept, and thoughts about whether it is actually possible for the minimum MLR rules to work, but it also would be great if you could give your ideas about how federal regulators, state regulators, insurers, producers and customers should proceed if the MLR rules do take effect on schedule.

You can use the “Comment On This Article” feature at the bottom of this item to answer the question.

We have had the “Comment” feature on this site for quite awhile, but, honestly, we haven’t used it very well. We got bogged down posting news and let weeks slide before moderating the comments. We’re going to try now to moderate comments at least once an hour during regular business hours.

We’re hoping that calling for comments through a “Question of the Week” approach, and letting the Question of the Week item stay on our front page for awhile, will encourage more discussion.

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