# UnitedHealthcare Insurance Company — Medical Loss Ratio & rebates (Wyoming, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Insurance Company (parent group: Unitedhealth GRP, as reported) in Wyoming, 2024 MLR reporting year, by market: small group 71.3%, large group 113.4%. Owed $1,373,452 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 Insurance Company spent 71.3% of small group premiums on care in WY (2024) → $1,373,452 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 Insurance Company spent 113.4% of large 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/49714-wy.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Insurance Company (Wyoming, 2024)** (2): Small group — 71.3% — 80% — no — $16,600,069 — $1,373,452 — ≈$799 — RECORDED; Large group — 113.4% — 85% — yes — $3,665,124 — $0 — — — RECORDED…