# Anthem Blue Cross — Medical Loss Ratio & rebates (California, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Anthem Blue Cross (parent group: Elevance Hlth Inc Grp, as reported) in California, 2024 MLR reporting year, by market: individual 92.6%, small group 80.7%, large group 87.0%. Met the 80/20-rule floor in every market; no rebate owed. RECORDED CMS-published MLR / standard / premium / rebate; rebate-as-%-of-premium is DERIVED. A spending ratio across the whole book in a market — not plan quality or advice. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **Anthem Blue Cross spent 92.6% of individual premiums on care in CA (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Anthem Blue Cross spent 80.7% of small group premiums on care in CA (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Anthem Blue Cross spent 87.0% of large group premiums on care in CA (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **What a Medical Loss Ratio is — and is NOT** — INTERPRETATION · Coverage Atlas L5 boundary (a book-level spending ratio ≠ plan quality) (https://coverage-atlas.ryanjhunter.workers.dev/)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/27603-ca.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Anthem Blue Cross (California, 2024)** (3): Individual — 92.6% — 80% — yes — $1,989,305,085 — $0 — — — RECORDED; Small group — 80.7% — 80% — yes — $4,402,636,075 — $0 — — — RECORDED; Large group — 87.0% — 85% — yes — $7,835,545,600 — $0 — — — RECORDED…