# Oxford Health Insurance, Inc. — Medical Loss Ratio & rebates (New Jersey, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Oxford Health Insurance, Inc. (parent group: Unitedhealth GRP, as reported) in New Jersey, 2024 MLR reporting year, by market: small group 84.8%, large group 82.3%. Owed $18,428,984 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:

- **Oxford Health Insurance, Inc. spent 84.8% of small group premiums on care in NJ (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Oxford Health Insurance, Inc. spent 82.3% of large group premiums on care in NJ (2024) → $18,428,984 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/77263-nj.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Oxford Health Insurance, Inc. (New Jersey, 2024)** (2): Small group — 84.8% — 80% — yes — $465,495,865 — $0 — — — RECORDED; Large group — 82.3% — 85% — no — $711,520,316 — $18,428,984 — ≈$230 — RECORDED…