name = "CareFirst BlueChoice, Inc. — Medical Loss Ratio & rebates (Maryland, 2024)"
description = "Medical Loss Ratio and rebate outcomes for CareFirst BlueChoice, Inc. (parent group: Carefirst INC GRP, as reported) in Maryland, 2024 MLR reporting year, by market: individual 80.0%, small group 78.4%, large group 87.5%. Owed $16,702,930 in rebates. 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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/28137-md.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/28137-md/individual"
warrant = "RECORDED"
name = "CareFirst BlueChoice, Inc. spent 80.0% of individual premiums on care in MD (2024)"
text = "In the Maryland individual market, CareFirst BlueChoice, Inc.'s three-year credibility-adjusted Medical Loss Ratio was 80.0% against the 80% floor, on $704,601,087 of 2024 premium earned. It met the floor; no rebate owed. RECORDED CMS-published figures (occurred=true; an actual backward-looking ratio insurers report under the 80/20 rule, adjudged=TRUE — CMS published it); rebate-per-enrollee is a DERIVED sub-figure."
source = "CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year"
sourceUrl = "https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/28137-md/small_group"
warrant = "RECORDED"
name = "CareFirst BlueChoice, Inc. spent 78.4% of small group premiums on care in MD (2024) → $16,702,930 rebate"
text = "In the Maryland small group market, CareFirst BlueChoice, Inc.'s three-year credibility-adjusted Medical Loss Ratio was 78.4% against the 80% floor, on $1,095,030,862 of 2024 premium earned. It fell below the floor and owed $16,702,930 in rebates (≈$110 per enrollee). RECORDED CMS-published figures (occurred=true; an actual backward-looking ratio insurers report under the 80/20 rule, adjudged=TRUE — CMS published it); rebate-per-enrollee is a DERIVED sub-figure."
source = "CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year"
sourceUrl = "https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/28137-md/large_group"
warrant = "RECORDED"
name = "CareFirst BlueChoice, Inc. spent 87.5% of large group premiums on care in MD (2024)"
text = "In the Maryland large group market, CareFirst BlueChoice, Inc.'s three-year credibility-adjusted Medical Loss Ratio was 87.5% against the 85% floor, on $1,344,145,956 of 2024 premium earned. It met the floor; no rebate owed. RECORDED CMS-published figures (occurred=true; an actual backward-looking ratio insurers report under the 80/20 rule, adjudged=TRUE — CMS published it); rebate-per-enrollee is a DERIVED sub-figure."
source = "CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year"
sourceUrl = "https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/28137-md/boundary"
warrant = "INTERPRETATION"
name = "What a Medical Loss Ratio is — and is NOT"
text = "A Medical Loss Ratio is a spending ratio across an issuer's WHOLE book in a market for a past period — the share of premium spent on care + quality improvement versus administration and profit. It is NOT a measure of plan quality, of your individual plan's value, or of coverage availability, and it is NOT advice. A low MLR triggers a rebate; it does not rate care."
source = "Coverage Atlas L5 boundary (a book-level spending ratio ≠ plan quality)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
falsifier = "occurred=FALSE (a framing, not an event) and adjudged=FALSE (an in-house reading, not an authority's verdict) — the LOWEST-warrant claim here. A flat representation would render this identically to the official facts; the four-status does not."

[[mlr-by-market]]
Market = "Individual"
3_yr_MLR = "80.0%"
Floor = "80%"
Met_floor_ = "yes"
Premium__2024_ = "$704,601,087"
Rebate_owed = "$0"
Per_enrollee = "—"
Warrant = "RECORDED"

[[mlr-by-market]]
Market = "Small group"
3_yr_MLR = "78.4%"
Floor = "80%"
Met_floor_ = "no"
Premium__2024_ = "$1,095,030,862"
Rebate_owed = "$16,702,930"
Per_enrollee = "≈$110"
Warrant = "RECORDED"

[[mlr-by-market]]
Market = "Large group"
3_yr_MLR = "87.5%"
Floor = "85%"
Met_floor_ = "yes"
Premium__2024_ = "$1,344,145,956"
Rebate_owed = "$0"
Per_enrollee = "—"
Warrant = "RECORDED"
