We, the undersigned -- representing small businesses, individuals, and health benefits agents and brokers — believe the final “medical loss ratio” regulation should be eliminated or dramatically changed because it endangers the vibrant, consumer-centered health coverage market. The MLR rule unnecessarily and unfairly restricts the ability of state insurance exchanges to offer affordable coverage through so-called “bronze” health insurance plans. Millions of Americans — especially small businesses and individuals — will get hit the hardest by the MLR rule. This regulation will cause their health costs to skyrocket. Big “self-insured” companies are unaffected by the constraints of the MLR rule — an unfair competitive advantage over Main Street America. Popular Health Savings Accounts will fare poorly under the MLR rule because individuals pay their own up-front and routine medical costs from their dedicated savings account. The MLR rule threatens to send health costs soaring for many Americans and small businesses. The MLR rule will further disrupt people’s ability to keep their current health plan, which the President promised. Therefore, we call upon the President and Congress to strike down (or significantly alter) the restrictive MLR rule. We demand that the Department of Health and Human Services rewrite the MLR rule so that it treats HSAs and other consumer-directed health plan options fairly. We urge Washington to preserve, protect, and defend consumer choice and competition for consumer-directed health care plans, and we insist that HSAs be preserved as a viable, affordable coverage option.