# Highmark BCBSD Inc. — Medical Loss Ratio & rebates (Delaware, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Highmark BCBSD Inc. (parent group: Highmark GRP, as reported) in Delaware, 2024 MLR reporting year, by market: individual 89.8%, small group 86.8%, large group 91.8%. Met the 80/20-rule floor in every market; no rebate owed. 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 BCBSD Inc. spent 89.8% of individual premiums on care in DE (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 BCBSD Inc. spent 86.8% of small group premiums on care in DE (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 BCBSD Inc. spent 91.8% of large group premiums on care in DE (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/76168-de.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Highmark BCBSD Inc. (Delaware, 2024)** (3): Individual — 89.8% — 80% — yes — $309,695,167 — $0 — — — RECORDED; Small group — 86.8% — 80% — yes — $169,040,129 — $0 — — — RECORDED; Large group — 91.8% — 85% — yes — $431,744,047 — $0 — — — RECORDED…