---
title: Healthy Alliance Life Insurance Company — Medical Loss Ratio & rebates (Missouri, 2024)
license: CC0-1.0
source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year
---

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

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

### Healthy Alliance Life Insurance Company spent 76.5% of individual premiums on care in MO (2024) → $25,955,705 rebate

**RECORDED.** In the Missouri individual market, Healthy Alliance Life Insurance Company's three-year credibility-adjusted Medical Loss Ratio was 76.5% against the 80% floor, on $791,018,764 of 2024 premium earned. It fell below the floor and owed $25,955,705 in rebates (≈$238 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 — 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of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release.

### Healthy Alliance Life Insurance Company spent 70.5% of small group premiums on care in MO (2024) → $19,358,275 rebate

**RECORDED.** In the Missouri small group market, Healthy Alliance Life Insurance Company's three-year credibility-adjusted Medical Loss Ratio was 70.5% against the 80% floor, on $212,896,547 of 2024 premium earned. It fell below the floor and owed $19,358,275 in rebates (≈$690 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 — 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.

### Healthy Alliance Life Insurance Company spent 86.9% of large group premiums on care in MO (2024)

**RECORDED.** In the Missouri large group market, Healthy Alliance Life Insurance Company's three-year credibility-adjusted Medical Loss Ratio was 86.9% against the 85% floor, on $1,135,344,998 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 — 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.

### What a Medical Loss Ratio is — and is NOT

**INTERPRETATION.** 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) — 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.

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Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/32753-mo.jsonld`

## Data

### Medical Loss Ratio by market — Healthy Alliance Life Insurance Company (Missouri, 2024)

CMS-published credibility-adjusted MLR, standard, premium, and rebate (RECORDED). Rebate-per-enrollee is DERIVED.

| Market | 3-yr MLR | Floor | Met floor? | Premium (2024) | Rebate owed | Per enrollee | Warrant |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |