In the industry, so called medical loss ratios or MLRs will be required to stay above 85% for large group coverage and above 80 cents on the dollar of premium paid for small group and individual coverage.

FORBES: The Games HMOs Play

That's how much of a premium dollar goes to claims, reserves for payouts, underwriting expenses and policyholder dividends.

FORBES: Companies, People, Ideas

She understands that health insurance is high cost (even under the new Affordable Care Act rule, only 80 cents of each premium dollar will be spent on care).

FORBES: David Goldhill's Dream for Universal, Consumer-Driven Health Care