Yea in fact the ACA law caps insurers to a maximum of 15% profit. Anything extra must be rebated back to the customers.

The debatable part is the rebate is back to the employer who is allowed to simply pocket the money, though one could argue its returning the amount the employer is covering, often more than the employee. :shrug:

Believe or not, I get yearly notices from UHC about rebates for the prior year.