Medical Loss Ratio · South Carolina · 2024 reporting year · BCBS of SC Grp

BlueCross and BlueShield of South Carolina

In South Carolina, over the three-year window through 2024, BlueCross and BlueShield of South Carolina spent 83.9% of individual premiums on care, 78.5% of small group premiums on care, and 90.6% of large group premiums on care (its Medical Loss Ratio). Because that fell below the floor in one market, it must rebate the shortfall to its 2024 policyholders — $4,851,916 in all.

78.5%

lowest 3-yr MLR (across markets)

$4,851,916

rebate owed to 2024 policyholders

$4066.1M

premium earned (2024)

Where each premium dollar went

The filled bar is the share of premiums spent on medical care + quality improvement — the three-year Medical Loss Ratio. The marker is the legal floor for that market (80% individual & small group, 85% large group). Below the floor, the insurer rebates the shortfall (floor − MLR), applied to that year's premium.

Individual market met the 80% floor

83.9% on care

80% floor

$2,090,435,516 premium earned (2024) no rebate owed

Small group market below the 80% floor → $4,851,916 rebate

78.5% on care

80% floor

$335,831,271 premium earned (2024) $4,851,916 owed back · ≈$127 per enrollee

Large group market met the 85% floor

90.6% on care

85% floor

$1,639,843,805 premium earned (2024) no rebate owed

See what BlueCross and BlueShield of South Carolinasells on the marketplace — plan footprint and premium positioning — on its company profile, or browse all South Carolina marketplace plans. Complaint counts and loss ratios for BlueCross and BlueShield of South Carolina (NAIC 38520) are on its carrier quality profile.

RECORDED — the Medical Loss Ratio, the 80/85% standard, premium earned, and the rebate owed are CMS-published figures (the 2024 MLR reporting year, a three-year window through 2024; rebates are paid the following year). DERIVED — rebate as a share of premium, and the rebate per enrollee (rebate ÷ member-years).

Machine-readable: JSON-LD · Markdown · Source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year

What this is — and is not

This is how BlueCross and BlueShield of South Carolina spent premium dollars across its entire South Carolina book in each market — it is not a measure of a specific plan's quality, your denial odds, or whether the insurer is right for you, and it is not advice. A rebate, if owed, is a rule-based payment to policyholders (a check or premium credit) the following year. To compare plans, check eligibility, and enroll, go to HealthCare.gov.