# Montana Health Cooperative — Medical Loss Ratio & rebates (Wyoming, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Montana Health Cooperative (parent group: Montana Health Cooperative, as reported) in Wyoming, 2024 MLR reporting year, by market: individual 100.2%, small group 103.6%. Met the 80/20-rule floor in every market; no rebate owed. 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:

- **Montana Health Cooperative spent 100.2% of individual premiums on care in WY (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Montana Health Cooperative spent 103.6% of small group premiums on care in WY (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/38576-wy.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Montana Health Cooperative (Wyoming, 2024)** (2): Individual — 100.2% — 80% — yes — $147,529,964 — $0 — — — RECORDED; Small group — 103.6% — 80% — yes — $15,016,194 — $0 — — — RECORDED…