# AmeriHealth Insurance Company of New Jersey — Medical Loss Ratio & rebates (New Jersey, 2024) — context brief

Medical Loss Ratio and rebate outcomes for AmeriHealth Insurance Company of New Jersey (parent group: Independence BLUE Cross GRP, as reported) in New Jersey, 2024 MLR reporting year, by market: individual 82.4%, small group 81.0%, large group 88.1%. 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:

- **AmeriHealth Insurance Company of New Jersey spent 82.4% of individual premiums on care in NJ (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **AmeriHealth Insurance Company of New Jersey spent 81.0% of small group premiums on care in NJ (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **AmeriHealth Insurance Company of New Jersey spent 88.1% of large group premiums on care in NJ (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/91762-nj.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — AmeriHealth Insurance Company of New Jersey (New Jersey, 2024)** (3): Individual — 82.4% — 80% — yes — $784,516,480 — $0 — — — RECORDED; Small group — 81.0% — 80% — yes — $120,776,593 — $0 — — — RECORDED; Large group — 88.1% — 85% — yes — $250,605,853 — $0 — — — RECORDED…