The National Association of Insurance Commissioners have approved their first round of recommendations for how the medical loss ratio should be defined. Insurance companies aren't very happy.

Many states have no authority to enforce health reform law, despite a reliance in the law on states to be the primary enforcer of consumer protections.

With the bulk of authority to regulate rate increases still resting with the states under health reform, is there enough protection against "unreasonable" rate increases?

The most recent employment report by the Bureau of Labor Statistics paints a gloomy employment picture for state and local governments at a time when they need more manpower to tackle health reform.