# UnitedHealthcare of North Carolina, Inc. — Medical Loss Ratio & rebates (North Carolina, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare of North Carolina, Inc. (parent group: Unitedhealth GRP, as reported) in North Carolina, 2024 MLR reporting year, by market: individual 79.4%, small group 85.8%, large group 84.5%. Owed $1,853,992 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 of North Carolina, Inc. spent 79.4% of individual premiums on care in NC (2024) → $1,801,751 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 of North Carolina, Inc. spent 85.8% of small group premiums on care in NC (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **UnitedHealthcare of North Carolina, Inc. spent 84.5% of large group premiums on care in NC (2024) → $52,241 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/54332-nc.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare of North Carolina, Inc. (North Carolina, 2024)** (3): Individual — 79.4% — 80% — no — $315,877,889 — $1,801,751 — ≈$40 — RECORDED; Small group — 85.8% — 80% — yes — $91,615,496 — $0 — — — RECORDED; Large group — 84.5% — 85% — no — $10,502,837 — $52,241 — ≈$29 — RECORDED…