# Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. — Medical Loss Ratio & rebates (Massachusetts, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. (parent group: BCBS of MA Grp, as reported) in Massachusetts, 2024 MLR reporting year, by market: individual 85.0%, small group 85.0%, large group 89.3%. Owed $43,721,415 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:

- **Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. spent 85.0% of individual premiums on care in MA (2024) → $6,897,001 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. spent 85.0% of small group premiums on care in MA (2024) → $36,824,414 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. spent 89.3% of large group premiums on care in MA (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/42690-ma.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. (Massachusetts, 2024)** (3): Individual — 85.0% — 88% — no — $231,448,741 — $6,897,001 — ≈$40 — RECORDED; Small group — 85.0% — 88% — no — $1,235,864,818 — $36,824,414 — ≈$215 — RECORDED; Large group — 89.3% — 85% — yes — $3,321,165,889 — $0 — — — RECORDED…