A rule created by the 2010 health care law will rebate about $1.3 Billion in health insurance premiums, according to estimates from Kaiser Family Foundation. The rule known as the Medical Loss Ratio (MLR), mandates that health insurance companies spend 80% of all premiums on health care. The rebates will arrive to Indiana resident no later than August 1st. If you have a health insurance policy and you had little or no claims there is very good chance that you could receive rebate. There is also some debate that you could see a premium reduction from the health insurance carrier.