# UnitedHealthcare Benefits Plan of California — Medical Loss Ratio & rebates (California, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Benefits Plan of California (parent group: Unitedhealth GRP, as reported) in California, 2024 MLR reporting year, by market: small group 78.5%, large group 89.6%. Owed $13,362,586 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 Benefits Plan of California spent 78.5% of small group premiums on care in CA (2024) → $13,362,586 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 Benefits Plan of California spent 89.6% of large group premiums on care in CA (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/37873-ca.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Benefits Plan of California (California, 2024)** (2): Small group — 78.5% — 80% — no — $906,536,836 — $13,362,586 — ≈$120 — RECORDED; Large group — 89.6% — 85% — yes — $1,721,878,680 — $0 — — — RECORDED…