# UnitedHealthcare Insurance Company — Medical Loss Ratio & rebates (Indiana, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Insurance Company (parent group: Unitedhealth GRP, as reported) in Indiana, 2024 MLR reporting year, by market: small group 76.5%, large group 84.9%. Owed $4,547,934 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 spent 76.5% of small group premiums on care in IN (2024) → $4,196,426 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 spent 84.9% of large group premiums on care in IN (2024) → $351,508 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/72850-in.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Insurance Company (Indiana, 2024)** (2): Small group — 76.5% — 80% — no — $130,458,082 — $4,196,426 — ≈$332 — RECORDED; Large group — 84.9% — 85% — no — $359,737,390 — $351,508 — ≈$7 — RECORDED…