# QCC Insurance Company — Medical Loss Ratio & rebates (GRAND TOTAL, 2024) — context brief

Medical Loss Ratio and rebate outcomes for QCC Insurance Company (parent group: Independence BLUE Cross GRP, as reported) in GRAND TOTAL, 2024 MLR reporting year, by market: individual 78.0%. Owed $4,596,990 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:

- **QCC Insurance Company spent 78.0% of individual premiums on care in GRAND TOTAL (2024) → $4,596,990 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/93688-grand-total.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — QCC Insurance Company (GRAND TOTAL, 2024)** (1): Individual — 78.0% — 80% — no — $240,487,455 — $4,596,990 — ≈$143 — RECORDED…