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

Medical Loss Ratio and rebate outcomes for UnitedHealthcare of Alabama, Inc (parent group: Unitedhealth GRP, as reported) in Alabama, 2024 MLR reporting year, by market: small group 72.1%. Owed $198,170 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 Alabama, Inc spent 72.1% of small group premiums on care in AL (2024) → $198,170 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/68259-al.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare of Alabama, Inc (Alabama, 2024)** (1): Small group — 72.1% — 80% — no — $2,825,048 — $198,170 — ≈$481 — RECORDED…