Medical Loss Ratio · North Carolina · 2024 reporting year · Unitedhealth GRP
UnitedHealthcare Insurance Company of the River Valley
In North Carolina, over the three-year window through 2024, UnitedHealthcare Insurance Company of the River Valley spent 78.6% of small group premiums on care, and 91.2% of large group premiums on care (its Medical Loss Ratio). Because that fell below the floor in one market, it must rebate the shortfall to its 2024 policyholders — $185,382 in all.
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.
See what UnitedHealthcare Insurance Company of the River Valleysells 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 Insurance Company of the River Valley (NAIC 12231) 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 Insurance Company of the River Valley 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.