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

New rules released this morning by Health Secretary Kathleen Sebelius say that HMOs must spend 80% (if they are for an individual) or 85% (for a group) of all premium dollars, net of taxes, on health care.

FORBES: Sebelius' MLR Rules Institutionalize HMOs As Well-Paid Health Middlemen

The group now sells its own premium brand under the name Northland Cranberries, a publicly traded company.

FORBES: Red Alert