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More than 336,000 Tennesseans will share $10 million in refunds from health insurance companies because of the Affordable Care Act.

The checks, which will average $53 per family, will be written because of the medical loss ratio rule in the law. That provision requires insurers to spend at least 80 percent of insurance premiums on patient care and quality improvement efforts. The refunds are for premiums paid in 2013.

For 2012, refunds to Tennesseans totaled $5.6 million.

The refunds can be made by check, a lump-sum payment to the credit card or debit card used to pay premiums, a reduction in future payments or by employers using refunds to improve health coverage, according to a press release issued by the U.S. Department of Health & Human Services.

"The 80/20 rule is bringing transparency and competition to the insurance market, ensuring that consumers are continuing to receive value for their premium dollars," said HHS Secretary Sylvia M. Burwell. "Standards like these created under the health law are providing Tennesseans with immediate savings and are helping to keep costs down over the long term."

The actual total for refunds in Tennessee is $10,037,932.

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