NEW YORK (CNNMoney) -- Health insurers will dole out a total of $1 billion in rebates to 12.8 million Americans this summer -- an average of $151 per family --as a result of the 2010 health care reform law, the government said Thursday. The rebates announced by the Department of Health and Human Services come from a provision of the law that punishes insurers who spend too much of policyholders' premiums for boosting company profits instead of paying for their medical care. See average health insurance rebates by state The rule mandated that, beginning in 2011, insurance companies would have to spend 80% to 85% of the premiums they collect on medical care instead of toward their own profits and overhead costs. Health care insurers to dole out $1B in rebates to consumers - Jun. 21, 2012 Don't worry right wingers. The Supreme Court might strike it down then those companies can still gouge the Middle Class. So stay positive.