# 45 C.F.R. § 158.241 (2026): Form of rebate

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_241

## Section

- **Citation:** 45 C.F.R. § 158.241 (2026)
- **Heading:** Form of rebate
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 45 CFR: Public Welfare / Part 158: ISSUER USE OF PREMIUM REVENUE: REPORTING AND REBATE REQUIREMENTS / Subpart B: Calculating and Providing the Rebate / § 158.241: § 158.241   Form of rebate.

## Text

(a)
Current enrollees.
(1) An issuer may choose to provide any rebates owing to current enrollees in the form of a premium credit, lump-sum check, or, if an enrollee paid the premium using a credit card or direct debit, by lump-sum reimbursement to the account used to pay the premium.
(2) For each of the 2011, 2012, and 2013 MLR reporting years, any rebate provided in the form of a premium credit must be provided by applying the full amount due to the first month's premium that is due on or after August 1 following the MLR reporting year. If the amount of the rebate exceeds the premium due for August, then any overage shall be applied to succeeding premium payments until the full amount of the rebate has been credited. Beginning with the 2014 MLR reporting year, any rebate provided in the form of a premium credit must be provided by applying the full amount due to the first month's premium that is due on or after September 30 following the MLR reporting year. If the amount of the rebate exceeds the premium due for October, then any overage shall be applied to succeeding premium payments until the full amount of the rebate has been credited. Beginning with rebates due for the 2020 MLR reporting year, any rebate provided in the form of a premium credit must be provided by applying the full amount due to the monthly premium that is due no later than October 30 following the MLR reporting year. If the amount of the rebate exceeds the monthly premium, then any overage shall be applied to succeeding premium payments until the full amount of the rebate has been credited.
(b)
Former enrollees in the individual market.
Rebates owing to former enrollees in the individual market must be paid in the form of lump-sum check or lump-sum reimbursement using the same method that was used for payment, such as credit card or direct debit.
[75 FR 74921, Dec. 1, 2010, as amended at 76 FR 76593, Dec. 7, 2011; 78 FR 15540, Mar. 11, 2013; 86 FR 24295, May 5, 2021]

## Nearby sections

- [45 C.F.R. § 158.210 (2026) § 158.210   Minimum medical loss ratio.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_210.md)
- [45 C.F.R. § 158.211 (2026) § 158.211   Requirement in States with a higher medical loss ratio.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_211.md)
- [45 C.F.R. § 158.220 (2026) § 158.220   Aggregation of data in calculating an issuer's medical loss ratio.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_220.md)
- [45 C.F.R. § 158.221 (2026) § 158.221   Formula for calculating an issuer's medical loss ratio.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_221.md)
- [45 C.F.R. § 158.230 (2026) § 158.230   Credibility adjustment.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_230.md)
- [45 C.F.R. § 158.231 (2026) § 158.231   Life-years used to determine credible experience.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_231.md)
- [45 C.F.R. § 158.232 (2026) § 158.232   Calculating the credibility adjustment.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_232.md)
- [45 C.F.R. § 158.240 (2026) § 158.240   Rebating premium if the applicable medical loss ratio standard is not met.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_240.md)
- [45 C.F.R. § 158.241 (2026) § 158.241   Form of rebate.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_241.md)
- [45 C.F.R. § 158.242 (2026) § 158.242   Recipients of rebates.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_242.md)
- [45 C.F.R. § 158.244 (2026) § 158.244   Unclaimed rebates.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_244.md)
- [45 C.F.R. § 158.250 (2026) § 158.250   Notice of rebates.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_250.md)
- [45 C.F.R. § 158.251 (2026) § 158.251   Notice of MLR information.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_251.md)
- [45 C.F.R. § 158.260 (2026) § 158.260   Reporting of rebates.](https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_260.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T45_P158_S158_241. Check the current official text before relying on it. Not legal advice.