(St. Paul, MN)  --  Officials say 123 thousand Minnesotans will receive rebates averaging 160 dollars on their health insurance premiums this year.  It's because of a federal law sponsored by Senator Al Franken that limits how much health insurers can spend on administrative costs, marketing, profits and C-E-O salaries.  It requires that health insurers spend at least 80 percent of what they collect in premiums on actual health services for their customers.  State Commerce Commissioner Mike Rothman says Minnesota's overall average for the last reporting period was 83 percent -- and it was higher for individual and small-group health plans.