# Highmark Blue Cross Blue Shield West Virginia — Medical Loss Ratio & rebates (West Virginia, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Highmark Blue Cross Blue Shield West Virginia (parent group: Highmark GRP, as reported) in West Virginia, 2024 MLR reporting year, by market: individual 84.5%, small group 87.7%, large group 94.7%. 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:

- **Highmark Blue Cross Blue Shield West Virginia spent 84.5% of individual premiums on care in WV (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Highmark Blue Cross Blue Shield West Virginia spent 87.7% of small group premiums on care in WV (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Highmark Blue Cross Blue Shield West Virginia spent 94.7% of large group premiums on care in WV (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/31274-wv.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Highmark Blue Cross Blue Shield West Virginia (West Virginia, 2024)** (3): Individual — 84.5% — 80% — yes — $427,610,289 — $0 — — — RECORDED; Small group — 87.7% — 80% — yes — $219,336,778 — $0 — — — RECORDED; Large group — 94.7% — 85% — yes — $952,788,299 — $0 — — — RECORDED…