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

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Insurance Company (parent group: Unitedhealth GRP, as reported) in Arkansas, 2024 MLR reporting year, by market: small group 67.4%, large group 84.9%. Owed $1,674,840 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 67.4% of small group premiums on care in AR (2024) → $1,587,433 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 AR (2024) → $87,407 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/81392-ar.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Insurance Company (Arkansas, 2024)** (2): Small group — 67.4% — 80% — no — $13,713,132 — $1,587,433 — ≈$330 — RECORDED; Large group — 84.9% — 85% — no — $89,606,112 — $87,407 — ≈$5 — RECORDED…