Question: The ACA 8 0 / 2 0 rule requires that insurance companies spend at least 8 0 percent of the premiums they collect on medical

The ACA 80/20 rule requires that insurance companies spend at least 80 percent of the premiums they collect on medical claims, effectively capping their profit margins. Insurers must rebate the difference to policyholders if they fall under this threshold. In the 2020~2022 pandemic of COVID-19, the profitability of most health insurance companies generally increased. However, the premium reduction did not happen. Please provide your explanation and cite a reference link to support it.

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