# HealthKeepers, Inc. — Medical Loss Ratio & rebates (Virginia, 2024) — context brief

Medical Loss Ratio and rebate outcomes for HealthKeepers, Inc. (parent group: Elevance Hlth Inc Grp, as reported) in Virginia, 2024 MLR reporting year, by market: individual 77.2%, small group 81.9%, large group 84.4%. Owed $23,554,741 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:

- **HealthKeepers, Inc. spent 77.2% of individual premiums on care in VA (2024) → $21,404,269 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **HealthKeepers, Inc. spent 81.9% of small group premiums on care in VA (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **HealthKeepers, Inc. spent 84.4% of large group premiums on care in VA (2024) → $2,150,472 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/88380-va.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — HealthKeepers, Inc. (Virginia, 2024)** (3): Individual — 77.2% — 80% — no — $828,043,337 — $21,404,269 — ≈$147 — RECORDED; Small group — 81.9% — 80% — yes — $485,448,548 — $0 — — — RECORDED; Large group — 84.4% — 85% — no — $372,819,426 — $2,150,472 — ≈$39 — RECORDED…