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

Medical Loss Ratio and rebate outcomes for UnitedHealthcare of Florida, Inc. (parent group: Unitedhealth GRP, as reported) in Florida, 2024 MLR reporting year, by market: individual 81.9%, small group 77.7%, large group 89.9%. Owed $3,610,396 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 Florida, Inc. spent 81.9% of individual premiums on care in FL (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 Florida, Inc. spent 77.7% of small group premiums on care in FL (2024) → $3,610,396 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 Florida, Inc. spent 89.9% of large group premiums on care in FL (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/68398-fl.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare of Florida, Inc. (Florida, 2024)** (3): Individual — 81.9% — 80% — yes — $1,026,419,255 — $0 — — — RECORDED; Small group — 77.7% — 80% — no — $163,740,140 — $3,610,396 — ≈$189 — RECORDED; Large group — 89.9% — 85% — yes — $72,743,081 — $0 — — — RECORDED…