About 12,000 Oregon families will get rebates from their health insurers. That’s thanks to a provision of the Federal Health Reform Law. The law requires that insurers spend at least 80% of the premiums collected on medical claims and quality improvement. The rest can be spent on administration, but 4 Oregon companies failed in that mandate. The average check will be $388. According to an article in the Bulletin, the four companies are: Mega Life, Time Insurance, Aetna Life and Lifewise Health Plan.