# WMI Mutual Insurance Company — Medical Loss Ratio & rebates (Utah, 2024) — context brief

Medical Loss Ratio and rebate outcomes for WMI Mutual Insurance Company in Utah, 2024 MLR reporting year, by market: small group 66.6%, large group 66.0%. Owed $775,725 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:

- **WMI Mutual Insurance Company spent 66.6% of small group premiums on care in UT (2024) → $376,425 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **WMI Mutual Insurance Company spent 66.0% of large group premiums on care in UT (2024) → $399,300 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/80043-ut.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — WMI Mutual Insurance Company (Utah, 2024)** (2): Small group — 66.6% — 80% — no — $2,838,364 — $376,425 — ≈$929 — RECORDED; Large group — 66.0% — 85% — no — $2,123,626 — $399,300 — ≈$1,014 — RECORDED…