# Healthy Alliance Life Insurance Company — Medical Loss Ratio & rebates (Missouri, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Healthy Alliance Life Insurance Company (parent group: Elevance Hlth Inc Grp, as reported) in Missouri, 2024 MLR reporting year, by market: individual 76.5%, small group 70.5%, large group 86.9%. Owed $45,313,980 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:

- **Healthy Alliance Life Insurance Company spent 76.5% of individual premiums on care in MO (2024) → $25,955,705 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Healthy Alliance Life Insurance Company spent 70.5% of small group premiums on care in MO (2024) → $19,358,275 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Healthy Alliance Life Insurance Company spent 86.9% of large group premiums on care in MO (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/32753-mo.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Healthy Alliance Life Insurance Company (Missouri, 2024)** (3): Individual — 76.5% — 80% — no — $791,018,764 — $25,955,705 — ≈$238 — RECORDED; Small group — 70.5% — 80% — no — $212,896,547 — $19,358,275 — ≈$690 — RECORDED; Large group — 86.9% — 85% — yes — $1,135,344,998 — $0 — — — RECORDED…