# Health Plan of Nevada, Inc. — Medical Loss Ratio & rebates (Nevada, 2024) — context brief

Medical Loss Ratio and rebate outcomes for Health Plan of Nevada, Inc. (parent group: Unitedhealth GRP, as reported) in Nevada, 2024 MLR reporting year, by market: individual 85.2%, small group 83.8%, large group 83.0%. Owed $16,830,071 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:

- **Health Plan of Nevada, Inc. spent 85.2% of individual premiums on care in NV (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Health Plan of Nevada, Inc. spent 83.8% of small group premiums on care in NV (2024)** — RECORDED · CMS — Medical Loss Ratio (MLR) Public Use File, 2024 reporting year (https://www.cms.gov/marketplace/private-health-insurance/medical-loss-ratio)
- **Health Plan of Nevada, Inc. spent 83.0% of large group premiums on care in NV (2024) → $16,830,071 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/95865-nv.jsonld` · anatomy of the research object: see /commons/the-research-object

**Medical Loss Ratio by market — Health Plan of Nevada, Inc. (Nevada, 2024)** (3): Individual — 85.2% — 80% — yes — $241,763,691 — $0 — — — RECORDED; Small group — 83.8% — 80% — yes — $50,774,983 — $0 — — — RECORDED; Large group — 83.0% — 85% — no — $888,398,852 — $16,830,071 — ≈$108 — RECORDED…