# UHA — Medical Loss Ratio & rebates (Hawaii, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UHA in Hawaii, 2024 MLR reporting year, by market: small group 92.1%, large group 90.0%. 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:

- **UHA spent 92.1% of small group premiums on care in HI (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **UHA spent 90.0% of large group premiums on care in HI (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/95366-hi.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UHA (Hawaii, 2024)** (2): Small group — 92.1% — 80% — yes — $120,508,792 — $0 — — — RECORDED; Large group — 90.0% — 85% — yes — $245,980,112 — $0 — — — RECORDED…