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A provision of the Affordable Care Act requires health insurance companies in the individual market to spend at least 80 percent of premium dollars on medical care or quality improvement activities (it is 85 percent in the group market). Georgia insurance companies were permitted to phase this requirement in for the individual market over three years (requiring them to spend at least 70 cents on the premium dollar on actual health care in 2011, 75 cents on the dollar in 2012, and 80 cents on the dollar in 2013.) Designed to spur greater transparency, value, and accountability, the provision also requires insurance companies who do not meet this reasonable standard to issue rebates to consumers. As a direct result of this provision, Georgia consumers will receive an estimated $30 million in rebates this year. State-by-state information about anticipated rebates is available here, and a report from Georgia Health News is available here.