Instead of sending your checks to your insurance companies, your insurance
companies are sending a check to you. ...If you already have health insurance
you like, you can keep it."
THE FACTS: Under the new health care law, insurers must issue rebates if they fail to spend at least 80 percent of premiums - Sebelius incorrectly said 50 percent - collected on medical care and quality improvement. But mostly it's the employer, not the worker, who gets the check.