As the nation geared up to receive the US Supreme Court’s decision on the Affordable Care Act, Modern Healthcare magazine interviewed Arent Fox’s Elliott Kroll, a partner in the firm’s Insurance practice in New York, about the health reform law’s so-called “80/20 provision.” In the article titled “Rebates On The Way — Insurers Didn’t Meet 80-20 Standard: Sebelius,” Elliott noted that a law without the individual mandate would be “pernicious and ultimately harmful to the American consumer.”