While brokers are not happy about the final regs HHS issued last week that logically excluded commissions from being included in MLR calculations, the insurance industry for the most part already meets the 85% group standard. the 80% individual MLR rewquirement is somewhat more problematic:
http://www.healthleadersmedia.com/page-2/HEP-274068/Good-News-Many-Insurers-Already-Meet-MLR-Requirements
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