Insurance refund

My mailbox today contained an example that Obamacare is working for healthcare consumers.   In an envelope from my health insurance provider was a check for $124.08.   The cover letter from Humana explained it was a rebate of a portion of my premium, as required by the Affordable Care Act's (ACA) Medical Loss Ratio standard. Under the law, health insurers are required to report to HHS's Center for Medicare and Medicaid Services (CMS) how income from premium dollars are spent.  (The first year of reporting was 2011 with the previous year's spending data.)   For individual and small group plans…