It's all part of health care reform. Under the new health care law, insurers are allowed to keep only 20 percent of premiums for overhead and profit.

If they took more than that last year, they must refund the money to their and you! 

Looks like Insurers will refund $1.1 billion to 12 million Americans. The average refund will be $150

Time to shop!!!  Who's buying new boots?