I wonder if this is an end-run around my hands-down favorite part of the ACA, the hard limit on the "Medical Loss Ratio" (MLR). Insurance companies must spend

I wonder if this is an end-run around my hands-down favorite part of the ACA, the hard limit on the "Medical Loss Ratio" (MLR). Insurance companies must spend at least ~80% (the number varies by plan type, but call it 80%) of premiums on medical expenses, and if they don't, that's when you get those refund checks in the mail. (In the 90's, you had a few insurance plans with >90% MLRs, but by the early 2000's the average had declined to 70%, and you had some companies selling plans to college kids with a 10% MLR.) This is overall good, because insurance is one of the few industries that benefits from monopoly conditions (bigger risk pools are better), so you want a hard cap on how much money the monopolies can extract. But maybe demanding non-generics is a way to increase "medical losses", which in turn is a way to increase their permissible profits?