---
title: UnitedHealthcare Insurance Company — Medical Loss Ratio & rebates (Missouri, 2024)
license: CC0-1.0
source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year
---

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

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

### UnitedHealthcare Insurance Company spent 78.5% of individual premiums on care in MO (2024) → $3,864,442 rebate

**RECORDED.** In the Missouri individual market, UnitedHealthcare Insurance Company's three-year credibility-adjusted Medical Loss Ratio was 78.5% against the 80% floor, on $282,389,204 of 2024 premium earned. It fell below the floor and owed $3,864,442 in rebates (≈$100 per enrollee). RECORDED CMS-published figures (occurred=true; an actual backward-looking ratio insurers report under the 80/20 rule, adjudged=TRUE — CMS published it); rebate-per-enrollee is a DERIVED sub-figure.

Source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year — https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release.

### UnitedHealthcare Insurance Company spent 76.4% of small group premiums on care in MO (2024) → $10,254,380 rebate

**RECORDED.** In the Missouri small group market, UnitedHealthcare Insurance Company's three-year credibility-adjusted Medical Loss Ratio was 76.4% against the 80% floor, on $297,345,820 of 2024 premium earned. It fell below the floor and owed $10,254,380 in rebates (≈$296 per enrollee). RECORDED CMS-published figures (occurred=true; an actual backward-looking ratio insurers report under the 80/20 rule, adjudged=TRUE — CMS published it); rebate-per-enrollee is a DERIVED sub-figure.

Source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year — https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release.

### UnitedHealthcare Insurance Company spent 84.2% of large group premiums on care in MO (2024) → $5,484,336 rebate

**RECORDED.** In the Missouri large group market, UnitedHealthcare Insurance Company's three-year credibility-adjusted Medical Loss Ratio was 84.2% against the 85% floor, on $709,816,713 of 2024 premium earned. It fell below the floor and owed $5,484,336 in rebates (≈$46 per enrollee). RECORDED CMS-published figures (occurred=true; an actual backward-looking ratio insurers report under the 80/20 rule, adjudged=TRUE — CMS published it); rebate-per-enrollee is a DERIVED sub-figure.

Source: CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year — https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio
Falsifier: A RECORD of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release.

### What a Medical Loss Ratio is — and is NOT

**INTERPRETATION.** A Medical Loss Ratio is a spending ratio across an issuer's WHOLE book in a market for a past period — the share of premium spent on care + quality improvement versus administration and profit. It is NOT a measure of plan quality, of your individual plan's value, or of coverage availability, and it is NOT advice. A low MLR triggers a rebate; it does not rate care.

Source: Coverage Atlas L5 boundary (a book-level spending ratio ≠ plan quality) — https://coverage-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (an in-house reading, not an authority's verdict) — the LOWEST-warrant claim here. A flat representation would render this identically to the official facts; the four-status does not.

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Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/95426-mo.jsonld`

## Data

### Medical Loss Ratio by market — UnitedHealthcare Insurance Company (Missouri, 2024)

CMS-published credibility-adjusted MLR, standard, premium, and rebate (RECORDED). Rebate-per-enrollee is DERIVED.

| Market | 3-yr MLR | Floor | Met floor? | Premium (2024) | Rebate owed | Per enrollee | Warrant |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |