# Keystone Health Plan East — Medical Loss Ratio & rebates (Pennsylvania, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Keystone Health Plan East (parent group: Independence BLUE Cross GRP, as reported) in Pennsylvania, 2024 MLR reporting year, by market: individual 84.4%, small group 78.6%, large group 82.9%. Owed $13,711,881 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:

- **Keystone Health Plan East spent 84.4% of individual premiums on care in PA (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Keystone Health Plan East spent 78.6% of small group premiums on care in PA (2024) → $7,855,681 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Keystone Health Plan East spent 82.9% of large group premiums on care in PA (2024) → $5,856,200 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/33871-pa.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Keystone Health Plan East (Pennsylvania, 2024)** (3): Individual — 84.4% — 80% — yes — $712,934,552 — $0 — — — RECORDED; Small group — 78.6% — 80% — no — $593,544,932 — $7,855,681 — ≈$91 — RECORDED; Large group — 82.9% — 85% — no — $293,918,021 — $5,856,200 — ≈$149 — RECORDED…