Over $469 million in 2014 insurance premium rebates will soon be going back to US consumers including 22,166 CT residents, according to CMS. CT rebates will average $177 per family. Since 2011, under the Affordable Care Act, insurers are required to spend at least 80% of individual and small group insurance premiums on medical care or activities that improve health. Large group insurers must spend at least 85% of premiums on health care and activities. Under the law, insurers that do not meet this standard must rebate excess administrative costs to consumers. Over $2.4 billion has been returned to US consumers since 2011. Rebates come either directly to consumers or to their employers to benefit employees. Since 2011 the percent of compliant, fairly priced coverage has increased every year, necessitating fewer rebates.