People who bought their own health insurance last year saved $2.1 billion because of the federal health law, mainly because of a provision that limits how much of their premium can go to insurers' administration and profits, says a report out today from the Kaiser Family Foundation. (KHN is an editorially independent program of the foundation.) The researchers estimate that premiums for the 11 million Americans who buy their own insurance would have been $1.9 billion higher in 2012 without the law. Some consumers will also see rebates estimated at $241 million, which will be sent out later this year. While not every consumer saw savings or a rebate, the researchers estimated that the savings averaged $204 per person.