name = "Blue Cross and Blue Shield of Alabama — Medical Loss Ratio & rebates (Alabama, 2024)"
description = "Medical Loss Ratio and rebate outcomes for Blue Cross and Blue Shield of Alabama (parent group: BCBS OF AL GRP, as reported) in Alabama, 2024 MLR reporting year, by market: individual 87.6%, small group 91.3%, large group 93.1%. 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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/46944-al.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/46944-al/individual"
warrant = "RECORDED"
name = "Blue Cross and Blue Shield of Alabama spent 87.6% of individual premiums on care in AL (2024)"
text = "In the Alabama individual market, Blue Cross and Blue Shield of Alabama's three-year credibility-adjusted Medical Loss Ratio was 87.6% against the 80% floor, on $1,748,960,171 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"
sourceUrl = "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of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/46944-al/small_group"
warrant = "RECORDED"
name = "Blue Cross and Blue Shield of Alabama spent 91.3% of small group premiums on care in AL (2024)"
text = "In the Alabama small group market, Blue Cross and Blue Shield of Alabama's three-year credibility-adjusted Medical Loss Ratio was 91.3% against the 80% floor, on $1,169,854,725 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"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/46944-al/large_group"
warrant = "RECORDED"
name = "Blue Cross and Blue Shield of Alabama spent 93.1% of large group premiums on care in AL (2024)"
text = "In the Alabama large group market, Blue Cross and Blue Shield of Alabama's three-year credibility-adjusted Medical Loss Ratio was 93.1% against the 85% floor, on $3,435,057,634 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"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/46944-al/boundary"
warrant = "INTERPRETATION"
name = "What a Medical Loss Ratio is — and is NOT"
text = "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)"
sourceUrl = "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."

[[mlr-by-market]]
Market = "Individual"
3_yr_MLR = "87.6%"
Floor = "80%"
Met_floor_ = "yes"
Premium__2024_ = "$1,748,960,171"
Rebate_owed = "$0"
Per_enrollee = "—"
Warrant = "RECORDED"

[[mlr-by-market]]
Market = "Small group"
3_yr_MLR = "91.3%"
Floor = "80%"
Met_floor_ = "yes"
Premium__2024_ = "$1,169,854,725"
Rebate_owed = "$0"
Per_enrollee = "—"
Warrant = "RECORDED"

[[mlr-by-market]]
Market = "Large group"
3_yr_MLR = "93.1%"
Floor = "85%"
Met_floor_ = "yes"
Premium__2024_ = "$3,435,057,634"
Rebate_owed = "$0"
Per_enrollee = "—"
Warrant = "RECORDED"
