# Common Ground Healthcare Cooperative — Medical Loss Ratio & rebates (Wisconsin, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Common Ground Healthcare Cooperative (parent group: Common Ground Healthcare Cooperative, as reported) in Wisconsin, 2024 MLR reporting year, by market: individual 95.0%, small group 96.3%. 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:

- **Common Ground Healthcare Cooperative spent 95.0% of individual premiums on care in WI (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Common Ground Healthcare Cooperative spent 96.3% of small group premiums on care in WI (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/87416-wi.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Common Ground Healthcare Cooperative (Wisconsin, 2024)** (2): Individual — 95.0% — 80% — yes — $410,503,916 — $0 — — — RECORDED; Small group — 96.3% — 80% — yes — $21,656,190 — $0 — — — RECORDED…