Medical Loss Ratio · North Carolina · 2024 reporting year · Unitedhealth GRP

UnitedHealthcare of North Carolina, Inc.

In North Carolina, over the three-year window through 2024, UnitedHealthcare of North Carolina, Inc. spent 79.4% of individual premiums on care, 85.8% of small group premiums on care, and 84.5% of large group premiums on care (its Medical Loss Ratio). Because that fell below the floor in some markets, it must rebate the shortfall to its 2024 policyholders — $1,853,992 in all.

79.4%

lowest 3-yr MLR (across markets)

$1,853,992

rebate owed to 2024 policyholders

$418.0M

premium earned (2024)

Where each premium dollar went

The filled bar is the share of premiums spent on medical care + quality improvement — the three-year Medical Loss Ratio. The marker is the legal floor for that market (80% individual & small group, 85% large group). Below the floor, the insurer rebates the shortfall (floor − MLR), applied to that year's premium.

Individual market below the 80% floor → $1,801,751 rebate

79.4% on care

80% floor

$315,877,889 premium earned (2024) $1,801,751 owed back · ≈$40 per enrollee

Small group market met the 80% floor

85.8% on care

80% floor

$91,615,496 premium earned (2024) no rebate owed

Large group market below the 85% floor → $52,241 rebate

84.5% on care

85% floor

$10,502,837 premium earned (2024) $52,241 owed back · ≈$29 per enrollee

See what UnitedHealthcare of North Carolina, Inc.sells on the marketplace — plan footprint and premium positioning — on its company profile, or browse all North Carolina marketplace plans. Complaint counts and loss ratios for UnitedHealthcare of North Carolina, Inc. (NAIC 95103) are on its carrier quality profile.

RECORDED — the Medical Loss Ratio, the 80/85% standard, premium earned, and the rebate owed are CMS-published figures (the 2024 MLR reporting year, a three-year window through 2024; rebates are paid the following year). DERIVED — rebate as a share of premium, and the rebate per enrollee (rebate ÷ member-years).

Machine-readable: JSON-LD · Markdown · Source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year

What this is — and is not

This is how UnitedHealthcare of North Carolina, Inc. spent premium dollars across its entire North Carolina book in each market — it is not a measure of a specific plan's quality, your denial odds, or whether the insurer is right for you, and it is not advice. A rebate, if owed, is a rule-based payment to policyholders (a check or premium credit) the following year. To compare plans, check eligibility, and enroll, go to HealthCare.gov.