medical loss ratio

November 23, 2011 -- Oregon voted “no” Tuesday on a National Association of Insurance Commissioners (NAIC) resolution that recommends changes to how agent commissions are considered in the medical loss ratio provisions of the Affordable Care Act. The medical loss ratio calculation requires that insurance companies spend a certain percentage of premium dollars on medical care versus administrative costs and profit. Companies that fail to do so must provide rebates to their policyholders.