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

Medical Loss Ratio and rebate outcomes for Celtic Insurance Company (parent group: Centene CORP GRP, as reported) in Indiana, 2024 MLR reporting year, by market: individual 74.1%. Owed $40,112,980 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:

- **Celtic Insurance Company spent 74.1% of individual premiums on care in IN (2024) → $40,112,980 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/76179-in.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Celtic Insurance Company (Indiana, 2024)** (1): Individual — 74.1% — 80% — no — $713,874,069 — $40,112,980 — ≈$361 — RECORDED…