# UnitedHealthcare Insurance Company — Medical Loss Ratio & rebates (Massachusetts, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Insurance Company (parent group: Unitedhealth GRP, as reported) in Massachusetts, 2024 MLR reporting year, by market: individual 86.2%, small group 86.2%, large group 87.7%. Owed $3,993,287 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:

- **UnitedHealthcare Insurance Company spent 86.2% of individual premiums on care in MA (2024) → $139,523 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **UnitedHealthcare Insurance Company spent 86.2% of small group premiums on care in MA (2024) → $3,853,764 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **UnitedHealthcare Insurance Company spent 87.7% of large group premiums on care in MA (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/31779-ma.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Insurance Company (Massachusetts, 2024)** (3): Individual — 86.2% — 88% — no — $7,282,620 — $139,523 — ≈$5 — RECORDED; Small group — 86.2% — 88% — no — $221,423,589 — $3,853,764 — ≈$145 — RECORDED; Large group — 87.7% — 85% — yes — $414,543,789 — $0 — — — RECORDED…