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Medical Loss Ratio (MLR). To ensure that students receive value for their premium dollar, this final rule makes student health plans subject to the reporting and rebate requirements of the medical loss ratio rule starting in 2013. The Affordable Care Act stipulates that the reporting requirements and methodologies for calculating the medical loss ratio “be designed to take into account the special circumstances of small plans, different types of plans, and new plans.” To address the special circumstances of Student Health Plans, HHS will apply a methodological adjustment to the way the medical loss ratio is calculated for those plans. Similar to mini-med and expatriate plans, the adjustment will address the unusual expense and premium structures of student health plans. These changes to the methodology for reporting and rebates apply only in calendar year 2013, after which time no adjustment is provided. In addition, we added to the MLR rule a provision that requires student coverage to be aggregated nationally as its own pool rather than on a State by State basis, and to report experience separate from other policies
Originally posted by BritofTexas
Of course, it's still more expensive than it needs to be though, but that's why we needed single payer.
Good luck with your studies.