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Re:Ask HN: Who Is Firing? by lotsofpulp on Thursday April 16, 2020 @09:46PM (#22895471)
ACA requires insurers to refund premiums if they do not spend at least 80% of the premiums on healthcare. See here for more details:

https://www.cms.gov/CCIIO/Resources/Files/Downloads/mlr-repo...

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