# Group Hospitalization and Medical Services, Inc — Medical Loss Ratio & rebates (Maryland, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Group Hospitalization and Medical Services, Inc (parent group: Carefirst INC GRP, as reported) in Maryland, 2024 MLR reporting year, by market: individual 78.9%, small group 85.5%, large group 93.4%. Owed $737,457 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:

- **Group Hospitalization and Medical Services, Inc spent 78.9% of individual premiums on care in MD (2024) → $737,457 rebate** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Group Hospitalization and Medical Services, Inc spent 85.5% of small group premiums on care in MD (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Group Hospitalization and Medical Services, Inc spent 93.4% of large group premiums on care in MD (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/94084-md.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Group Hospitalization and Medical Services, Inc (Maryland, 2024)** (3): Individual — 78.9% — 80% — no — $70,476,177 — $737,457 — ≈$78 — RECORDED; Small group — 85.5% — 80% — yes — $103,211,450 — $0 — — — RECORDED; Large group — 93.4% — 85% — yes — $1,430,626,823 — $0 — — — RECORDED…