Most health insurance companies that don't spend 80% of premiums on patient care next year will owe their customers rebates in 2012 under the new health insurance laws, but low-premium, minimum coverage plans favored by some restaurant and retail chains, including McDonald's, are the exception. The so-called "mini-med" plans will be required to spend only half as much as other companies on health care in 2011, and federal officials will collect data on the plans before deciding how to proceed.

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