Medical Loss Ratio · Virginia · 2024 reporting year · Elevance Hlth Inc Grp

HealthKeepers, Inc.

In Virginia, over the three-year window through 2024, HealthKeepers, Inc. spent 77.2% of individual premiums on care, 81.9% of small group premiums on care, and 84.4% of large group premiums on care (its Medical Loss Ratio). Because that fell below the floor in some markets, it must rebate the shortfall to its 2024 policyholders — $23,554,741 in all.

77.2%

lowest 3-yr MLR (across markets)

$23,554,741

rebate owed to 2024 policyholders

$1686.3M

premium earned (2024)

Where each premium dollar went

The filled bar is the share of premiums spent on medical care + quality improvement — the three-year Medical Loss Ratio. The marker is the legal floor for that market (80% individual & small group, 85% large group). Below the floor, the insurer rebates the shortfall (floor − MLR), applied to that year's premium.

Individual market below the 80% floor → $21,404,269 rebate

77.2% on care

80% floor

$828,043,337 premium earned (2024) $21,404,269 owed back · ≈$147 per enrollee

Small group market met the 80% floor

81.9% on care

80% floor

$485,448,548 premium earned (2024) no rebate owed

Large group market below the 85% floor → $2,150,472 rebate

84.4% on care

85% floor

$372,819,426 premium earned (2024) $2,150,472 owed back · ≈$39 per enrollee

See what HealthKeepers, Inc.sells on the marketplace — plan footprint and premium positioning — on its company profile, or browse all Virginia marketplace plans. Complaint counts and loss ratios for HealthKeepers, Inc. (NAIC 95169) are on its carrier quality profile.

RECORDED — the Medical Loss Ratio, the 80/85% standard, premium earned, and the rebate owed are CMS-published figures (the 2024 MLR reporting year, a three-year window through 2024; rebates are paid the following year). DERIVED — rebate as a share of premium, and the rebate per enrollee (rebate ÷ member-years).

Machine-readable: JSON-LD · Markdown · Source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year

What this is — and is not

This is how HealthKeepers, Inc. spent premium dollars across its entire Virginia book in each market — it is not a measure of a specific plan's quality, your denial odds, or whether the insurer is right for you, and it is not advice. A rebate, if owed, is a rule-based payment to policyholders (a check or premium credit) the following year. To compare plans, check eligibility, and enroll, go to HealthCare.gov.