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Small Business Employee Benefits and HR Blog

White Paper Examines Negatives of Health Reform's Medical Loss Ratios (MLRs)

NAIFA (National Association of Insurance and Financial Advisors) has released a new white paper: No Premium on Value: The Health Care Law’s Medical Loss Ratio Brings Dangerous Consequences for Consumers and the Agents Who Serve Them, which explores the negative impact of the Medical Loss Ratio (MLR) rules requiring health insurance companies to spend 80 to 85 percent of their income from premiums on medical expenses and quality improvements.
The paper features first-hand accounts by health insurance brokers of how the MLR rule has damaged their businesses, reduced their ability to provide customer service, and harmed consumers. Among the brokers profiled in the white paper is Ed Anderson of Edina, Mo., who said, “I cannot imagine what the damage of the MLR has been to agents nationwide. We’ve lost valuable people because of this.”


About NAIFA

NAIFA comprises more than 600 state and local associations representing the interests of approximately 200,000 agents and their associates nationwide.NAIFA NAIFA members focus their practices on one or more of the following: life insurance and annuities, health insurance and employee benefits, multiline, and financial advising and investments. The Association’s mission is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of its members.

Note: None of this should be taken as legal or tax advice.

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