Medical Loss Ratio (MLR) Rebates in the Individual Market for Consumers and Families
This data is presented as an interactive tool that allows users to: filter by timeframe/year, select specific data columns (distributions), filter by state or geography, and view the data as a table, map, or trend chart.
2024
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 1180126372 5060138 233 N/A
Alaska 0 0 0 N/A
Alabama 181752010 297927 610 N/A
Arkansas 31677384 69176 458 N/A
Arizona 0 0 0 N/A
California 1855367 21485 86 N/A
Colorado 7392665 93387 79 N/A
Connecticut 0 0 0 N/A
District of Columbia 0 0 0 N/A
Delaware 0 0 0 N/A
Florida 52732065 1026962 51 N/A
Georgia 13224463 515733 26 N/A
Hawaii 0 0 0 N/A
Iowa 1912499 29526 65 N/A
Idaho 1585410 29534 54 N/A
Illinois 0 0 0 N/A
Indiana 40112980 122759 327 N/A
Kansas 0 0 0 N/A
Kentucky 0 0 0 N/A
Louisiana 129257144 298196 433 N/A
Massachusetts 21216386 89706 237 N/A
Maryland 7717496 82248 94 N/A
Maine 0 0 0 N/A
Michigan 10939002 142518 77 N/A
Minnesota 0 0 0 N/A
Missouri 117349232 334876 350 N/A
Mississippi 3694444 14296 258 N/A
Montana 0 0 0 N/A
North Carolina 98186850 312300 314 N/A
North Dakota 0 0 0 N/A
Nebraska 4812443 96692 50 N/A
New Hampshire 1477952 16572 89 N/A
New Jersey 1193196 5827 205 N/A
New Mexico 5285688 12706 416 N/A
Nevada 6123007 17922 342 N/A
New York 0 0 0 N/A
Ohio 60859602 253015 241 N/A
Oklahoma 86762493 121840 712 N/A
Oregon 0 0 0 N/A
Pennsylvania 5266777 34856 151 N/A
Rhode Island 0 0 0 N/A
South Carolina 133345940 360744 370 N/A
South Dakota 0 0 0 N/A
Tennessee 13707637 93761 146 N/A
Texas 116375434 367413 317 N/A
Utah 0 0 0 N/A
Virginia 23271502 195220 119 N/A
Vermont 0 0 0 N/A
Washington 0 0 0 N/A
Wisconsin 1039306 2941 353 N/A
West Virginia 0 0 0 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2023
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 463177523 2689416 172 N/A
Alabama 39202417 52374 749 N/A
Alaska 0 0 0 N/A
Arizona 34957783 76355 458 N/A
Arkansas 62049866 245725 253 N/A
California 0 0 0 N/A
Colorado 6908725 90192 77 N/A
Connecticut 0 0 0 N/A
Delaware 0 0 0 N/A
District of Columbia 0 0 0 N/A
Florida 124375 6658 19 N/A
Georgia 17539881 399302 44 N/A
Hawaii 0 0 0 N/A
Idaho 2441279 30899 79 N/A
Illinois 1194566 15126 79 N/A
Indiana 37650158 75091 501 N/A
Iowa 5517487 12559 439 N/A
Kansas 4872522 88122 55 N/A
Kentucky 9097794 47948 190 N/A
Louisiana 31691421 82387 385 N/A
Maine 0 0 0 N/A
Maryland 11197866 42319 265 N/A
Massachusetts 10888613 51747 210 N/A
Michigan 13587149 129134 105 N/A
Minnesota 0 0 0 N/A
Mississippi 14849142 209376 71 N/A
Missouri 54470098 223905 243 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 7243220 22158 327 N/A
New Hampshire 14780302 60878 243 N/A
New Jersey 472592 6814 69 N/A
New Mexico 5122366 12020 426 N/A
New York 65157 47044 1 N/A
North Carolina 3664964 44713 82 N/A
North Dakota 0 0 0 N/A
Ohio 2527086 93981 27 N/A
Oklahoma 5046943 33228 152 N/A
Oregon 0 0 0 N/A
Pennsylvania 25550678 156162 164 N/A
Rhode Island 493404 22747 22 N/A
South Carolina 12258919 78615 156 N/A
South Dakota 0 0 0 N/A
Tennessee 4910673 35793 137 N/A
Texas 1766638 9612 184 N/A
Utah 0 0 0 N/A
Vermont 0 0 0 N/A
Virginia 21033441 186431 113 N/A
Washington 0 0 0 N/A
West Virginia 0 0 0 N/A
Wisconsin 0 0 0 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2022
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 332126731 1695035 196 N/A
Alabama 9126655 14450 632 N/A
Alaska 0 0 0 N/A
Arizona 25791346 53082 486 N/A
Arkansas 60039113 199934 300 N/A
California 0 0 0 N/A
Colorado 1068819 66903 16 N/A
Connecticut 0 0 0 N/A
Delaware 0 0 0 N/A
District of Columbia 0 0 0 N/A
Florida 209121 6986 30 N/A
Georgia 0 0 0 N/A
Hawaii 0 0 0 N/A
Idaho 3223534 33707 96 N/A
Illinois 0 0 0 N/A
Indiana 12721670 58337 218 N/A
Iowa 814824 6361 128 N/A
Kansas 14435712 53994 267 N/A
Kentucky 6821346 42143 162 N/A
Louisiana 16090678 25938 620 N/A
Maine 3802978 42871 89 N/A
Maryland 2334712 21803 107 N/A
Massachusetts 12441292 69213 180 N/A
Michigan 17841138 76041 235 N/A
Minnesota 0 0 0 N/A
Mississippi 7545532 116900 65 N/A
Missouri 13426912 158119 85 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 4153879 15389 270 N/A
New Hampshire 14499821 52196 278 N/A
New Jersey 457355 7006 65 N/A
New Mexico 623757 11025 57 N/A
New York 387598 49302 8 N/A
North Carolina 11272143 77890 145 N/A
North Dakota 0 0 0 N/A
Ohio 16107 444 36 N/A
Oklahoma 321089 4850 66 N/A
Oregon 0 0 0 N/A
Pennsylvania 49124326 161567 304 N/A
Rhode Island 0 0 0 N/A
South Carolina 2948208 10123 291 N/A
South Dakota 0 0 0 N/A
Tennessee 51585 489 106 N/A
Texas 1094336 3027 362 N/A
Utah 0 0 0 N/A
Vermont 0 0 0 N/A
Virginia 30578061 221477 138 N/A
Washington 8863084 33468 265 N/A
West Virginia 0 0 0 N/A
Wisconsin 0 0 0 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2021
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 485514844 2363449 205 N/A
Alabama 29675 361 82 N/A
Alaska 0 0 0 N/A
Arizona 34150786 77492 441 N/A
Arkansas 29535216 93426 316 N/A
California 0 0 0 N/A
Colorado 9750412 71409 137 N/A
Connecticut 1624209 3731 435 N/A
Delaware 0 0 0 N/A
District of Columbia 0 0 0 N/A
Florida 70980 7292 10 N/A
Georgia 0 0 0 N/A
Hawaii 0 0 0 N/A
Idaho 1897815 36323 52 N/A
Illinois 0 0 0 N/A
Indiana 0 0 0 N/A
Iowa 868799 1502 578 N/A
Kansas 8778785 36304 242 N/A
Kentucky 3173908 47732 66 N/A
Louisiana 2546502 23697 107 N/A
Maine 16439829 39115 420 N/A
Maryland 44894175 177919 252 N/A
Massachusetts 6786705 61387 111 N/A
Michigan 21817658 72210 302 N/A
Minnesota 3365804 33324 101 N/A
Mississippi 10286994 84507 122 N/A
Missouri 25427609 141026 180 N/A
Montana 4112045 21006 196 N/A
Nebraska 0 0 0 N/A
Nevada 2918773 10913 267 N/A
New Hampshire 15383924 49306 312 N/A
New Jersey 1400925 278 5032 N/A
New Mexico 8328400 28903 288 N/A
New York 2901759 81988 35 N/A
North Carolina 1450711 23844 61 N/A
North Dakota 0 0 0 N/A
Ohio 363514 27603 13 N/A
Oklahoma 84277 1498 56 N/A
Oregon 0 0 0 N/A
Pennsylvania 34888601 203749 171 N/A
Rhode Island 0 0 0 N/A
South Carolina 1766036 14401 123 N/A
South Dakota 0 0 0 N/A
Tennessee 2608294 32070 81 N/A
Texas 63772600 515952 124 N/A
Utah 1450654 11245 129 N/A
Vermont 0 0 0 N/A
Virginia 97634891 254705 383 N/A
Washington 18281679 59185 309 N/A
West Virginia 76044 648 117 N/A
Wisconsin 6645858 17395 382 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2020
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 1331865680 4772299 279 N/A
Alabama 27966 376 74 N/A
Alaska 2068375 16627 124 N/A
Arizona 53703692 137638 390 N/A
Arkansas 8106223 97987 83 N/A
California 13127296 127940 103 N/A
Colorado 16229282 104221 156 N/A
Connecticut 806397 6309 128 N/A
Delaware 8448645 26189 323 N/A
District of Columbia 0 0 0 N/A
Florida 162189190 676844 240 N/A
Georgia 34276965 362933 94 N/A
Hawaii 278361 21199 13 N/A
Idaho 1157678 5117 226 N/A
Illinois 53398021 322501 166 N/A
Indiana 33952 318 107 N/A
Iowa 26461014 52375 505 N/A
Kansas 13574776 28245 481 N/A
Kentucky 0 0 0 N/A
Louisiana 52619 919 57 N/A
Maine 42263547 69653 607 N/A
Maryland 72560508 162075 448 N/A
Massachusetts 10216219 215232 47 N/A
Michigan 49536415 191638 258 N/A
Minnesota 30546278 106951 286 N/A
Mississippi 14559016 83480 174 N/A
Missouri 32180253 145603 221 N/A
Montana 9833331 19645 501 N/A
Nebraska 0 0 0 N/A
Nevada 3506856 31007 113 N/A
New Hampshire 24629539 44806 550 N/A
New Jersey 15683582 176710 89 N/A
New Mexico 13441897 23809 565 N/A
New York 447873 54874 8 N/A
North Carolina 1047767 4016 261 N/A
North Dakota 0 0 0 N/A
Ohio 2143830 23304 92 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 70724748 145306 487 N/A
Rhode Island 0 0 0 N/A
South Carolina 16084715 217893 74 N/A
South Dakota 0 0 0 N/A
Tennessee 58785423 174325 337 N/A
Texas 199640416 440135 454 N/A
Utah 6526864 22590 289 N/A
Vermont 0 0 0 N/A
Virginia 170237928 239067 712 N/A
Washington 47644229 99041 481 N/A
West Virginia 0 0 0 N/A
Wisconsin 41874484 66563 629 N/A
Wyoming 3809511 26837 142 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2019
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 1,718,286,401 5,182,169 332 N/A
Alabama 30,842 402 77 N/A
Alaska 11,996,953 18131 662 N/A
Arizona 83,311,961 153,776 542 N/A
Arkansas 11,205,789 156,528 72 N/A
California 137,790 3,602 38 N/A
Colorado 15,850,042 61,959 256 N/A
Connecticut 51,497 981 53 N/A
Delaware 12645590 23239 544 N/A
District of Columbia 0 0 0 N/A
Florida 157,029,511 648,566 242 N/A
Georgia 80,572,957 221,488 364 N/A
Hawaii 1,090,903 20,119 54 N/A
Idaho 0 0 0 N/A
Illinois 119604595 337411 354 N/A
Indiana 11,537 330 35 N/A
Iowa 23,685,984 55820 424 N/A
Kansas 23,265,393 18,018 1,291 N/A
Kentucky 0 0 0 N/A
Louisiana 2,088,485 30,991 67 N/A
Maine 18,978,076 67,007 283 N/A
Maryland 26,877,987 131,728 204 N/A
Massachusetts 21,949,240 198,761 110 N/A
Michigan 42,211,263 214,908 196 N/A
Minnesota 42,167,584 95,837 440 N/A
Mississippi 33,176,686 78,917 420 N/A
Missouri 166,484,304 205,283 811 N/A
Montana 14,407,777 19,205 750 N/A
Nebraska 0 0 0 N/A
Nevada 5338467 55914 95 N/A
New Hampshire 16068976 40034 401 N/A
New Jersey 91,038 4,582 20 N/A
New Mexico 13,588,639 25,200 539 N/A
New York 1,560,993 56,405 28 N/A
North Carolina 4,804,206 510,157 9 N/A
North Dakota 0 0 0 N/A
Ohio 2,051,571 38,614 53 N/A
Oklahoma 57,077,796 152,058 375 N/A
Oregon 0 0 0 N/A
Pennsylvania 80,994,610 115,093 704 N/A
Rhode Island 0 0 0 N/A
South Carolina 25,707,593 217,779 118 N/A
South Dakota 419,315 708 592 N/A
Tennessee 113,754,024 152,504 746 N/A
Texas 258,043,959 584,189 442 N/A
Utah 5,376,706 28,009 192 N/A
Vermont 0 0 0 N/A
Virginia 105561777 248149 425 N/A
Washington 42,847,391 81,537 525 N/A
West Virginia 0 0 0 N/A
Wisconsin 76166594 108235 704 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2018
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 769275419 3703475 208 N/A
Alabama 9252 406 23 N/A
Alaska 5885625 19019 309 N/A
Arizona 92342997 103876 889 N/A
Arkansas 12251429 113284 108 N/A
California 82865 4231 20 N/A
Colorado 10729080 56957 188 N/A
Connecticut 20891 1062 20 N/A
Delaware 0 0 0 N/A
District of Columbia 313 5 63 N/A
Florida 20876327 617980 34 N/A
Georgia 59859228 190654 314 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 5567635 24854 224 N/A
Indiana 775770 64065 12 N/A
Iowa 838200 40721 21 N/A
Kansas 25492568 18757 1359 N/A
Kentucky 0 0 0 N/A
Louisiana 22423 372 60 N/A
Maine 0 0 0 N/A
Maryland 24817 927 27 N/A
Massachusetts 34785500 158404 220 N/A
Michigan 40086 651 62 N/A
Minnesota 50249199 91064 552 N/A
Mississippi 32645290 71236 458 N/A
Missouri 25024531 71058 352 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 9819 424 23 N/A
New Hampshire 24258397 84844 286 N/A
New Jersey 0 0 0 N/A
New Mexico 12670833 27238 465 N/A
New York 87492 59086 1 N/A
North Carolina 9804097 537340 18 N/A
North Dakota 0 0 0 N/A
Ohio 345292 8999 38 N/A
Oklahoma 3238643 146413 22 N/A
Oregon 0 0 0 N/A
Pennsylvania 69465869 92573 750 N/A
Rhode Island 0 0 0 N/A
South Carolina 17128 737 23 N/A
South Dakota 0 0 0 N/A
Tennessee 56951368 183660 310 N/A
Texas 80374881 650864 123 N/A
Utah 4195482 21778 193 N/A
Vermont 0 0 0 N/A
Virginia 111302663 182349 610 N/A
Washington 22040 360 61 N/A
West Virginia 0 0 0 N/A
Wisconsin 19007391 57230 332 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2017
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 132529262 966722 137 N/A
Alabama 170053 4304 40 N/A
Alaska 0 0 0 N/A
Arizona 16241310 100873 161 N/A
Arkansas 0 0 0 N/A
California 0 0 0 N/A
Colorado 186808 1144 163 N/A
Connecticut 48929 1154 42 N/A
Delaware 0 0 0 N/A
District of Columbia 656 11 61 N/A
Florida 6703493 41024 163 N/A
Georgia 9331131 130963 71 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 1282184 6669 192 N/A
Indiana 196108 49276 4 N/A
Iowa 437165 2891 151 N/A
Kansas 0 0 0 N/A
Kentucky 0 0 0 N/A
Louisiana 0 0 0 N/A
Maine 0 0 0 N/A
Maryland 0 0 0 N/A
Massachusetts 25191972 145113 174 N/A
Michigan 3285873 32249 102 N/A
Minnesota 19605595 40798 481 N/A
Mississippi 6396835 61636 104 N/A
Missouri 21764490 137694 158 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 0 0 0 N/A
New Hampshire 6673214 26553 251 N/A
New Jersey 263784 2714 97 N/A
New Mexico 4199476 26416 159 N/A
New York 1345819 61865 22 N/A
North Carolina 650316 2818 231 N/A
North Dakota 64550 794 81 N/A
Ohio 920685 7485 123 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 0 0 0 N/A
Rhode Island 0 0 0 N/A
South Carolina 12690 764 17 N/A
South Dakota 0 0 0 N/A
Tennessee 7083153 66405 107 N/A
Texas 472975 15112 31 N/A
Utah 0 0 0 N/A
Vermont 0 0 0 N/A
Virginia 0 0 0 N/A
Washington 0 0 0 N/A
West Virginia 0 0 0 N/A
Wisconsin 0 0 0 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2016
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 102894669 904019 114 N/A
Alabama 1082961 5792 187 N/A
Alaska 0 0 0 N/A
Arizona 37650 904 42 N/A
Arkansas 3258380 68264 48 N/A
California 77462 597 130 N/A
Colorado 312665 3246 96 N/A
Connecticut 0 0 0 N/A
Delaware 0 0 0 N/A
District of Columbia 21877 231 95 N/A
Florida 11391691 46472 245 N/A
Georgia 6378368 95516 67 N/A
Hawaii 0 0 0 N/A
Idaho 6570 94 70 N/A
Illinois 1193810 19882 60 N/A
Indiana 4623976 27496 168 N/A
Iowa 0 0 0 N/A
Kansas 0 0 0 N/A
Kentucky 0 0 0 N/A
Louisiana 8396 423 20 N/A
Maine 0 0 0 N/A
Maryland 0 0 0 N/A
Massachusetts 39290679 157653 249 N/A
Michigan 2284370 31934 72 N/A
Minnesota 0 0 0 N/A
Mississippi 4200357 41182 102 N/A
Missouri 380227 91551 4 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 0 0 0 N/A
New Hampshire 11207622 63460 177 N/A
New Jersey 3817859 7137 535 N/A
New Mexico 0 0 0 N/A
New York 4524361 115111 39 N/A
North Carolina 472952 3521 134 N/A
North Dakota 282828 1070 264 N/A
Ohio 4215924 76259 55 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 976179 9151 107 N/A
Rhode Island 2392383 15990 150 N/A
South Carolina 25234 783 32 N/A
South Dakota 0 0 0 N/A
Tennessee 55366 1014 55 N/A
Texas 290395 18198 16 N/A
Utah 0 0 0 N/A
Vermont 0 0 0 N/A
Virginia 0 0 0 N/A
Washington 0 0 0 N/A
West Virginia 0 0 0 N/A
Wisconsin 84127 1089 77 N/A
Wyoming 0 0 0 N/A
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
U.S. Virgin Islands N/A N/A N/A N/A
2015
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 107360358 1188509 90 124
Alabama 1252727 7792 161 249
Alaska 55840 89 627 235
Arizona 1608034 46938 34 67
Arkansas 826934 42763 19 20
California 458761 7790 59 59
Colorado 148102 655 226 156
Connecticut 44646 1353 33 66
Delaware 38860 246 158 191
District of Columbia 25063 368 68 137
Florida 8799386 150980 58 92
Georgia 12763063 23436 545 689
Hawaii 10946 326 34 67
Idaho 80459 219 367 155
Illinois 1136662 24836 46 67
Indiana 7740944 18080 428 204
Iowa 0 0 0 0
Kansas 495484 2035 243 379
Kentucky 3640398 85025 43 52
Louisiana 419989 3220 130 168
Maine 0 0 0 0
Maryland 566207 7721 73 112
Massachusetts 196725 57339 3 197
Michigan 2876430 40247 71 119
Minnesota 0 0 0 0
Mississippi 11503965 56732 203 302
Missouri 4570451 87683 52 63
Montana 0 0 0 0
Nebraska 0 0 0 0
Nevada 67583 607 111 122
New Hampshire 7705129 40609 190 304
New Jersey 0 0 0 0
New Mexico 1179 98 12 4
New York 23506852 181596 129 151
North Carolina 682419 8630 79 106
North Dakota 0 0 0 0
Ohio 7497808 79712 94 118
Oklahoma 167005 239 699 242
Oregon 20027 227 88 30
Pennsylvania 605518 12461 49 71
Rhode Island 1954106 15651 125 150
South Carolina 704261 99809 7 11
South Dakota 0 0 0 0
Tennessee 169045 1690 100 108
Texas 916558 2090 439 282
Utah 79 0 0 79
Vermont 0 0 0 0
Virginia 3235748 54731 59 72
Washington 22795 431 53 106
West Virginia 101692 553 184 245
Wisconsin 742480 23502 32 53
Wyoming 0 0 0 0
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
Virgin Islands N/A N/A N/A N/A
2014
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 238229387 2140702 111 139
Alabama 1503011 12336 122 177
Alaska 597002 12777 47 59
Arizona 2058897 21394 96 140
Arkansas 8716298 40372 216 394
California 65714267 492384 133 144
Colorado 516596 20295 25 43
Connecticut 0 0 0 0
Delaware 601773 2289 263 320
District of Columbia 69922 280 250 493
Florida 26486009 229471 115 167
Georgia 15220279 159263 96 126
Hawaii 23986 345 70 139
Idaho 738522 1461 505 846
Illinois 1754329 41540 42 61
Indiana 220124 11763 19 28
Iowa 663723 8671 77 119
Kansas 938540 3810 246 397
Kentucky 8123178 86476 94 111
Louisiana 1759624 5268 334 467
Maine 3327735 31411 106 108
Maryland 5399321 41071 131 186
Massachusetts 2523535 15290 165 202
Michigan 7741704 73452 105 158
Minnesota 0 0 0 0
Mississippi 17657079 60399 292 360
Missouri 583010 18873 31 53
Montana 612253 10240 60 87
Nebraska 126764 913 139 181
Nevada 304236 26880 11 19
New Hampshire 9173367 54237 169 195
New Jersey 1930162 69084 28 34
New Mexico 245660 1159 212 320
New York 1723469 8332 207 261
North Carolina 1914254 15158 126 167
North Dakota 53680 193 278 287
Ohio 3418166 128758 27 31
Oklahoma 1184643 1614 734 1096
Oregon 630819 1682 375 490
Pennsylvania 6281919 40300 156 187
Rhode Island 0 0 0 0
South Carolina 14271819 113813 125 141
South Dakota 0 0 0 0
Tennessee 1948224 25753 76 112
Texas 8274541 70016 118 176
Utah 93217 1761 53 98
Vermont 0 0 0 0
Virginia 1504435 17094 88 99
Washington 10894838 158780 69 87
West Virginia 338834 1313 258 303
Wisconsin 365627 2930 125 167
Wyoming 0 0 0 0
American Samoa N/A N/A N/A N/A
Guam N/A N/A N/A N/A
Northern Mariana Islands N/A N/A N/A N/A
Puerto Rico N/A N/A N/A N/A
Virgin Islands N/A N/A N/A N/A
2013
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 128280633 2102671 61 85
Alabama 990323 10342 96 111
Alaska 3062042 11431 268 388
Arizona 3121871 91236 34 60
Arkansas 1750090 13506 130 189
California 3206183 67649 47 62
Colorado 1247268 37351 33 62
Connecticut 381622 37452 10 14
Delaware 492029 2711 181 233
District of Columbia 259700 480 541 637
Florida 17987391 358585 50 69
Georgia 5512376 180713 31 40
Hawaii 3440 369 9 10
Idaho 234804 2299 102 192
Illinois 3883207 62126 63 88
Indiana 464518 5716 81 106
Iowa 651895 3270 199 230
Kansas 2287009 31927 72 95
Kentucky 5122275 108953 47 59
Louisiana 1110082 5986 185 230
Maine 0 0 0 0
Maryland 5133205 52311 98 126
Massachusetts 2807847 37527 75 100
Michigan 7728757 98854 78 115
Minnesota 0 0 0 0
Mississippi 4557536 26747 170 228
Missouri 3856883 107897 36 47
Montana 2712756 13908 195 287
Nebraska 392722 1535 256 358
Nevada 730712 21427 34 44
New Hampshire 4010727 33543 120 140
New Jersey 0 0 0 0
New Mexico 68528 628 109 158
New York 2021287 46424 44 65
North Carolina 2730883 45876 60 80
North Dakota 68894 947 73 139
Ohio 438865 3560 123 207
Oklahoma 1135297 19266 59 102
Oregon 1466346 23302 63 90
Pennsylvania 4491349 87824 51 66
Rhode Island 0 0 0 0
South Carolina 10332022 106609 97 129
South Dakota 0 0 0 0
Tennessee 3636466 54660 67 95
Texas 11819986 146907 80 123
Utah 810719 11448 71 133
Vermont 0 0 0 0
Virginia 828302 35711 23 35
Washington 792846 9604 83 122
West Virginia 616938 7104 87 135
Wisconsin 2584967 69396 37 52
Wyoming 688742 6083 113 158
American Samoa 0 0 0 0
Guam 0 0 0 0
Northern Mariana Islands 38447 1081 36 78
Puerto Rico 10481 391 27 75
Virgin Islands 0 0 0 0
2012
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States $192,177,266 2,730,735 70 $94
Alabama $314,374 1,487 211 $248
Alaska $937,064 10,499 89 $126
Arizona $2,531,581 82,184 31 $51
Arkansas $864,644 10,381 83 $119
California $18,387,486 345,283 53 $58
Colorado $1,295,747 38,425 34 $50
Connecticut $1,380,428 25,979 53 $64
Delaware $633,103 1,910 331 $386
District of Columbia $85,582 640 134 $138
Florida $39,585,271 317,184 125 $164
Georgia $4,391,995 136,494 32 $36
Hawaii $0 0 0 $0
Idaho $214,330 872 246 $490
Illinois $2,905,382 91,474 32 $46
Indiana $890,422 8,662 103 $145
Iowa $8,332 112 74 $27
Kansas $2,748,348 56,646 49 $67
Kentucky $10,966,162 109,272 100 $123
Louisiana $1,120,342 5,454 205 $240
Maine $0 0 0 $0
Maryland $6,801,675 44,556 153 $190
Massachusetts $0 0 #DIV/0! $0
Michigan $10,342,005 101,836 102 $139
Minnesota $983,686 8,060 122 $241
Mississippi $3,550,203 26,213 135 $183
Missouri $3,059,896 71,196 43 $62
Montana $1,395,689 12,733 110 $162
Nebraska $1,345,830 14,016 96 $160
Nevada $787,595 37,522 21 $32
New Hampshire $497,882 2,404 207 $265
New Jersey $0 0 0 $0
New Mexico $80,853 774 104 $151
New York $3,219,220 25,062 128 $151
North Carolina $2,169,467 22,565 96 $120
North Dakota $19,792 572 35 $64
Ohio $360,491 2,175 166 $224
Oklahoma $5,802,840 99,181 59 $88
Oregon $863,555 11,428 76 $111
Pennsylvania $6,053,828 86,363 70 $86
Rhode Island $0 0 0 $0
South Carolina $6,015,932 105,907 57 $74
South Dakota $0 0 0 $0
Tennessee $3,650,229 52,397 70 $94
Texas $40,892,304 625,262 65 $96
Utah $732,729 50,451 15 $37
Vermont $0 0 0 $0
Virginia $1,579,337 19,732 80 $104
Washington $785,946 2,626 299 $499
West Virginia $848,779 9,840 86 $111
Wisconsin $765,370 48,015 16 $26
Wyoming $201,532 5,378 37 $59
American Samoa $0 0 0 $0
Guam $0 0 0 $0
Northern Mariana Islands $66,954 979 68 $152
Puerto Rico $43,056 534 81 $135
Virgin Islands $0 0 0 $0
2011
Location Individual Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 399415479 N/A N/A N/A
Alabama 3189860 N/A N/A N/A
Alaska 0 N/A N/A N/A
Arizona 12931978 N/A N/A N/A
Arkansas 533645 N/A N/A N/A
California 20516935 N/A N/A N/A
Colorado 3063156 N/A N/A N/A
Connecticut 4216882 N/A N/A N/A
Delaware 1062076 N/A N/A N/A
District of Columbia 199633 N/A N/A N/A
Florida 47257109 N/A N/A N/A
Georgia 2889653 N/A N/A N/A
Hawaii 0 N/A N/A N/A
Idaho 144303 N/A N/A N/A
Illinois 7794746 N/A N/A N/A
Indiana 2894671 N/A N/A N/A
Iowa 0 N/A N/A N/A
Kansas 3573861 N/A N/A N/A
Kentucky 232937 N/A N/A N/A
Louisiana 3018599 N/A N/A N/A
Maine 0 N/A N/A N/A
Maryland 12102204 N/A N/A N/A
Massachusetts 750599 N/A N/A N/A
Michigan 11998544 N/A N/A N/A
Minnesota 494491 N/A N/A N/A
Mississippi 6133418 N/A N/A N/A
Missouri 16348539 N/A N/A N/A
Montana 1685051 N/A N/A N/A
Nebraska 3704559 N/A N/A N/A
Nevada 828521 N/A N/A N/A
New Hampshire 0 N/A N/A N/A
New Jersey 1291536 N/A N/A N/A
New Mexico 0 N/A N/A N/A
New York 5601781 N/A N/A N/A
North Carolina 3192880 N/A N/A N/A
North Dakota 10160 N/A N/A N/A
Ohio 8195193 N/A N/A N/A
Oklahoma 6947424 N/A N/A N/A
Oregon 2630847 N/A N/A N/A
Pennsylvania 21383386 N/A N/A N/A
Rhode Island 0 N/A N/A N/A
South Carolina 15277769 N/A N/A N/A
South Dakota 47948 N/A N/A N/A
Tennessee 18569460 N/A N/A N/A
Texas 136040525 N/A N/A N/A
Utah 2741795 N/A N/A N/A
Vermont 333946 N/A N/A N/A
Virginia 5010247 N/A N/A N/A
Washington 432333 N/A N/A N/A
West Virginia 2268825 N/A N/A N/A
Wisconsin 649028 N/A N/A N/A
Wyoming 932840 N/A N/A N/A
American Samoa 0 N/A N/A N/A
Guam 0 N/A N/A N/A
Northern Mariana Islands 291586 N/A N/A N/A
Puerto Rico 0 N/A N/A N/A
Virgin Islands 0 N/A N/A N/A
Notes
The Affordable Care Act requires health insurance issuers to submit data on the proportion of premium revenues spent on clinical services and quality improvement, also known as the Medical Loss Ratio (MLR). If an insurance company in the individual market spends less than 80% of premium revenues on clinical services and quality improvement, it is required to provide a rebate to customers. MLR rebates are based on a 3-year average.
Rebates must be paid by September 30 of each year and may take the form of a check in the mail, a lump-sum reimbursement to a bank account (if the premium was paid by credit or debit card), or a direct reduction in future premiums. For individuals with employer-sponsored insurance, the employer may provide one of the above rebate methods or otherwise apply the rebate in a manner that benefits the employee.
Data may not sum to total due to rounding. Not all regions reported MLR refunds for all years.
Sources
The Center for Consumer Information & Oversight (CCIIO), Centers for Medicare & Medicaid Services (CMS). "MLR Refunds by State and Market" , as of September 12, 2025.
Definitions
Individual Market : Health insurance where the health insurance policy is issued to an individual covering the individual and his or her dependents in the individual market.
N/A : Data not available.