# Humana — Medical Loss Ratio & rebates (Missouri, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Humana in Missouri, 2024 MLR reporting year, by market: small group 70.1%, large group 80.2%. Owed $413,760 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.

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

- **Humana spent 70.1% of small group premiums on care in MO (2024) → $286,624 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Humana spent 80.2% of large group premiums on care in MO (2024) → $127,136 rebate** — 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/30613-mo.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Humana (Missouri, 2024)** (2): Small group — 70.1% — 80% — no — $2,693,630 — $286,624 — ≈$960 — RECORDED; Large group — 80.2% — 85% — no — $2,801,939 — $127,136 — ≈$324 — RECORDED…