# UnitedHealthcare Insurance Company of the River Valley — Medical Loss Ratio & rebates (North Carolina, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Insurance Company of the River Valley (parent group: Unitedhealth GRP, as reported) in North Carolina, 2024 MLR reporting year, by market: small group 78.6%, large group 91.2%. Owed $185,382 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 of the River Valley spent 78.6% of small group premiums on care in NC (2024) → $185,382 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 of the River Valley spent 91.2% of large 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)
- **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/58658-nc.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Insurance Company of the River Valley (North Carolina, 2024)** (2): Small group — 78.6% — 80% — no — $14,151,083 — $185,382 — ≈$99 — RECORDED; Large group — 91.2% — 85% — yes — $285,515 — $0 — — — RECORDED…