# UnitedHealthcare Plan of the River Valley, Inc. — Medical Loss Ratio & rebates (Virginia, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Plan of the River Valley, Inc. (parent group: Unitedhealth GRP, as reported) in Virginia, 2024 MLR reporting year, by market: small group 71.9%, large group 71.8%. Owed $2,385,373 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 Plan of the River Valley, Inc. spent 71.9% of small group premiums on care in VA (2024) → $958,461 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 Plan of the River Valley, Inc. spent 71.8% of large group premiums on care in VA (2024) → $1,426,912 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/89498-va.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Plan of the River Valley, Inc. (Virginia, 2024)** (2): Small group — 71.9% — 80% — no — $12,547,046 — $958,461 — ≈$550 — RECORDED; Large group — 71.8% — 85% — no — $11,399,943 — $1,426,912 — ≈$846 — RECORDED…