Cost of Service Regulation in U.S. Health Care: Minimum Medical Loss Ratios

One goal of the Patient Protection and Affordable Care Act (ACA) was to reduce the cost of health insurance. To that end, the law instituted minimum requirements on the share of premiums that commercial insurers must spend on medical claims. This share is known as the Medical Loss Ratio (MLR) and is a measure of the actuarial fairness of insurance. Our work formalizes the connection between this type of mandated a...

About Robert Zinn

Robert Zinn, M.D., Ph.D. is a medical doctor, physician, and web entrepreneur, who, for over 15 years was employed by academic and research institutions and focused his clinical practices on very specialized patient populations, such as those with rare genetic diseases or rare cancers. He shares his knowledge through his website,

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