Something to be investigated-- Health care Rebate checks not going to who they should.

[tammywammy]

1. The rebate checks can be kept by the employer

Many who buy coverage directly from insurers, like Ms. Harkenreader and other self-employed people, are receiving checks. But in most cases rebates are being sent to employers, who can chose to put them toward future premium costs instead of distributing them to workers.
http://www.nytimes.com/2012/07/31/health/policy/insurance-rebates-seen-as-early-benefit-of-health-care-law.html?pagewanted=all