# Celtic Insurance Company — Medical Loss Ratio & rebates (Alabama, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Celtic Insurance Company (parent group: Centene CORP GRP, as reported) in Alabama, 2024 MLR reporting year, by market: individual 69.4%. Owed $67,058,546 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:

- **Celtic Insurance Company spent 69.4% of individual premiums on care in AL (2024) → $67,058,546 rebate** — 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/53932-al.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Celtic Insurance Company (Alabama, 2024)** (1): Individual — 69.4% — 80% — no — $673,780,413 — $67,058,546 — ≈$773 — RECORDED…