Disincentivizing Healthcare Cost Controls

Remember how healthcare reform was supposed to control costs? Well section 2714 (ironically titled "Ensuring Value and Lower Premiums) does exactly the opposite:

Each health insurance issuer that offers health insurance coverage in the small or large group market shall provide that for any plan year in which the coverage has a medical loss ratio below a level specified by the Secretary (but not less than 85%), the issuer shall provide in a manner specified by the secretary for rebates to enrollees of the amount by which the issuer’s medical loss ratio is less than the level specified.

Right now insurers are incentivized to control healthcare costs in the system via the profit motive. The lower their medical loss ratio (the percentage of premiums actually spent on paying claims) the higher their profits. What this means is that no insurer will have ANY incentive to get their MLR's below 85%. Zero, zilch, none. Why would they think this is a good idea?