HHS Secretary Sylvia Burwell (AP Photo/Susan Walsh)

The Patient Protection and Affordable Care Act’s rules regulating carriers may have not have benefited the health insurance industry but they’ve yielded nearly $3 billion in savings to consumers in the last two years, the Obama administration said.

The Department of Health and Human Services said rules under the law that crack down on carriers, including the medical loss ratio provision and rate reviews, has saved policyholders a total of $2.8 billion between 2012 and 2013.

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