Created by the Affordable Care Act (ACA) to ensure compliance with the new insurance market rules, this agency of the U.S. Dept. of Health and Human Services oversees the medical loss ratio rules and assists states in reviewing insurance rates. In addition, it oversees the state-based insurance marketplaces, or exchanges, the temporary high-risk pool program and the early retiree reinsurance program. It also compiles and maintains data for an Internet portal providing information on insurance options. Formerly the Office of Consumer Information and Insurance Oversight.