# SIHO Insurance Services — Medical Loss Ratio & rebates (GRAND TOTAL, 2024) — context brief

Medical Loss Ratio and rebate outcomes for SIHO Insurance Services in GRAND TOTAL, 2024 MLR reporting year, by market: small group 97.7%, large group 94.5%. 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:

- **SIHO Insurance Services spent 97.7% of small group premiums on care in GRAND TOTAL (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **SIHO Insurance Services spent 94.5% of large group premiums on care in GRAND TOTAL (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/95812-grand-total.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — SIHO Insurance Services (GRAND TOTAL, 2024)** (2): Small group — 97.7% — 80% — yes — $15,112,466 — $0 — — — RECORDED; Large group — 94.5% — 85% — yes — $33,246,503 — $0 — — — RECORDED…