Health plan loss ration requirements established, and nonprofit health maintenance organizations net earnings use requirements established. This bill requires health carriers to meet certain loss ratio requirements in the individual, small employer, and large group market. Failure to meet a loss ratio requirement will result in a rebate paid directly to enrollees. Additionally, reinsurance payments cannot be used by a health carrier to calculate their loss ratio. This bill also prohibits an HMO from using its net earnings for any purpose other than providing comprehensive health care.