# UnitedHealthcare Insurance Company — Medical Loss Ratio & rebates (Missouri, 2024) — context brief

Medical Loss Ratio and rebate outcomes for UnitedHealthcare Insurance Company (parent group: Unitedhealth GRP, as reported) in Missouri, 2024 MLR reporting year, by market: individual 78.5%, small group 76.4%, large group 84.2%. Owed $19,603,158 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 Insurance Company spent 78.5% of individual premiums on care in MO (2024) → $3,864,442 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 Insurance Company spent 76.4% of small group premiums on care in MO (2024) → $10,254,380 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 Insurance Company spent 84.2% of large group premiums on care in MO (2024) → $5,484,336 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/95426-mo.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — UnitedHealthcare Insurance Company (Missouri, 2024)** (3): Individual — 78.5% — 80% — no — $282,389,204 — $3,864,442 — ≈$100 — RECORDED; Small group — 76.4% — 80% — no — $297,345,820 — $10,254,380 — ≈$296 — RECORDED; Large group — 84.2% — 85% — no — $709,816,713 — $5,484,336 — ≈$46 — RECORDED…