# Highmark Health Insurance Company — Medical Loss Ratio & rebates (Pennsylvania, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Highmark Health Insurance Company (parent group: Highmark GRP, as reported) in Pennsylvania, 2024 MLR reporting year, by market: small group 91.1%, large group 70.6%. Owed $2,274,270 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:

- **Highmark Health Insurance Company spent 91.1% of small group premiums on care in PA (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Highmark Health Insurance Company spent 70.6% of large group premiums on care in PA (2024) → $2,274,270 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/70194-pa.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Highmark Health Insurance Company (Pennsylvania, 2024)** (2): Small group — 91.1% — 80% — yes — $210,200,277 — $0 — — — RECORDED; Large group — 70.6% — 85% — no — $15,793,544 — $2,274,270 — ≈$1,062 — RECORDED…