name = "UnitedHealthcare Insurance Company — Medical Loss Ratio & rebates (Missouri, 2024)"
description = "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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/95426-mo.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/95426-mo/individual"
warrant = "RECORDED"
name = "UnitedHealthcare Insurance Company spent 78.5% of individual premiums on care in MO (2024) → $3,864,442 rebate"
text = "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"
sourceUrl = "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of measured/reported events (occurred=true) from CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year; superseded when CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/95426-mo/small_group"
warrant = "RECORDED"
name = "UnitedHealthcare Insurance Company spent 76.4% of small group premiums on care in MO (2024) → $10,254,380 rebate"
text = "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"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/95426-mo/large_group"
warrant = "RECORDED"
name = "UnitedHealthcare Insurance Company spent 84.2% of large group premiums on care in MO (2024) → $5,484,336 rebate"
text = "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"
sourceUrl = "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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/mlr/95426-mo/boundary"
warrant = "INTERPRETATION"
name = "What a Medical Loss Ratio is — and is NOT"
text = "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)"
sourceUrl = "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."

[[mlr-by-market]]
Market = "Individual"
3_yr_MLR = "78.5%"
Floor = "80%"
Met_floor_ = "no"
Premium__2024_ = "$282,389,204"
Rebate_owed = "$3,864,442"
Per_enrollee = "≈$100"
Warrant = "RECORDED"

[[mlr-by-market]]
Market = "Small group"
3_yr_MLR = "76.4%"
Floor = "80%"
Met_floor_ = "no"
Premium__2024_ = "$297,345,820"
Rebate_owed = "$10,254,380"
Per_enrollee = "≈$296"
Warrant = "RECORDED"

[[mlr-by-market]]
Market = "Large group"
3_yr_MLR = "84.2%"
Floor = "85%"
Met_floor_ = "no"
Premium__2024_ = "$709,816,713"
Rebate_owed = "$5,484,336"
Per_enrollee = "≈$46"
Warrant = "RECORDED"
