The Affordable Care Act required insurers to put most of your premium money into health care, not their pockets. If they take too much, they have to refund that amount. Simple, right?
But wait, Republicans want to repeal the law, and will probably get the activist Supreme Court to legislate from the bench and rule it unconstitutional. How lucky is that? Yeh, we get to pay more in premiums so tea party losers, who don't have coverage, can be free and freeload off the rest of us.