President Obama is set to speak this morning about how the health-care law is cutting premiums for millions of Americans. His remarks will focus on a small Affordable Care Act provision known to health wonks as the "medical loss ratio." Rolls right off the tongue, right? Maybe not. But the medical loss ratio (described as the "80/20 rule" by the White House) is arguably one of the most effective tools the White House has to hold down premium costs. And it's the provision that the White House is homing in on, in arguing that the health-care law will make health care cheaper for American families.