have to spend at least 80% of that on health care, on actually providing you health care. so advertising and bonuses for their ceos and generic overhead cost has to be less than 20% of what you pay. they call it the 80/20 rule. and the punishment for companies that don't meet that requirement is genius. it's political genius. those companies have to pay the difference back to you in a check that's made out to you, that comes with this cover letter. those companies have to pay the difference back to you in a check that's made out to you that comes with this cover letter. this rebate is required by the affordable care act, the health reform law. honestly, they should just add to it, you know, obama care. the policy here is kind of a generically common sense idea. if i'm going to have to spend money on health insurance, don't