The checks are in the mail.

Under the federal Affordable Care Act, insurance companies have to spend 85 cents of every dollar they get in premiums on healthcare, and refund any extra money they’ve taken in, but not spent on doctors, hospitals and other medical services. (The companies can keep more of the premiums – 80 cents on the dollar – for coverage of people with individual and small business policies, which are costlier to administer).

The rebates were announced earlier, but the checks are going out this week.

Businesses can keep the money to defray future premiums or add services – or they can pass it on to employees.

A Kaiser Family Foundation analysis projects 29 percent of individual health insurance purchasers in New Yorkers will get rebates, close to the national average. The estimated number of recipients employed by small and large businesses are 2 percent and 14 percent, respectively. The numbers are much higher in New Jersey: 62 percent of individuals, 79 percent of small business employees and 67 percent of large business employees. Across the two states, average rebates are expected to range from $63 to $150 per insurance enrollee.

Here’s a breakdown* of companies in this region, and how much they’ll be returning to the businesses and individuals who buy health insurance.

NEW YORK

NEW JERSEY

CONNECTICUT

*Sums have been rounded to the nearest thousand, and different product lines of the same company have been combined.