Medical Loss Ratio (MLR) Rebates in the Large Group 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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 185928730 2053950 91 N/A
Alaska 0 0 0 N/A
Alabama 0 0 0 N/A
Arkansas 87407 16248 5 N/A
Arizona 1549264 5309 292 N/A
California 15947647 371962 43 N/A
Colorado 4203574 65019 65 N/A
Connecticut 0 0 0 N/A
District of Columbia 0 0 0 N/A
Delaware 74534 199 375 N/A
Florida 21360084 128049 167 N/A
Georgia 680885 1733 393 N/A
Hawaii 3738901 1658 2254 N/A
Iowa 2158786 4657 464 N/A
Idaho 40006 303 132 N/A
Illinois 4606681 79066 58 N/A
Indiana 353883 49317 7 N/A
Kansas 584944 590 992 N/A
Kentucky 0 0 0 N/A
Louisiana 471270 4251 111 N/A
Massachusetts 0 0 0 N/A
Maryland 6387593 71539 89 N/A
Maine 174838 462 379 N/A
Michigan 779562 7296 107 N/A
Minnesota 0 0 0 N/A
Missouri 5643747 120673 47 N/A
Mississippi 16587 436 38 N/A
Montana 0 0 0 N/A
North Carolina 65537 2665 25 N/A
North Dakota 0 0 0 N/A
Nebraska 531918 492 1082 N/A
New Hampshire 5856400 30377 193 N/A
New Jersey 21634265 82943 261 N/A
New Mexico 0 0 0 N/A
Nevada 26389676 184275 143 N/A
New York 8964289 356615 25 N/A
Ohio 87367 1907 46 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 27065697 212265 128 N/A
Rhode Island 0 0 0 N/A
South Carolina 0 0 0 N/A
South Dakota 0 0 0 N/A
Tennessee 2291908 5169 443 N/A
Texas 3604766 16354 220 N/A
Utah 574439 5343 108 N/A
Virginia 11782403 101240 116 N/A
Vermont 0 0 0 N/A
Washington 458079 10662 43 N/A
Wisconsin 7180241 113721 63 N/A
West Virginia 0 0 0 N/A
Wyoming 581553 1157 503 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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 195394576 2135298 92 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 2508071 5214 481 N/A
Arkansas 1787981 21931 82 N/A
California 23515130 359228 65 N/A
Colorado 154820 3306 47 N/A
Connecticut 0 0 0 N/A
Delaware 49586 396 125 N/A
District of Columbia 627731 1343 467 N/A
Florida 24124049 392100 62 N/A
Georgia 372851 1501 248 N/A
Hawaii 2709400 1564 1732 N/A
Idaho 31403 421 75 N/A
Illinois 2659848 8266 322 N/A
Indiana 376024 53879 7 N/A
Iowa 2476970 8085 306 N/A
Kansas 695225 617 1126 N/A
Kentucky 467611 829 564 N/A
Louisiana 2736746 40873 67 N/A
Maine 0 0 0 N/A
Maryland 4988571 81860 61 N/A
Massachusetts 0 0 0 N/A
Michigan 7160 113 63 N/A
Minnesota 0 0 0 N/A
Mississippi 3852306 31300 123 N/A
Missouri 1482490 135491 11 N/A
Montana 396843 5067 78 N/A
Nebraska 1745069 22950 76 N/A
Nevada 6183077 27981 221 N/A
New Hampshire 2723631 28287 96 N/A
New Jersey 25757788 110469 233 N/A
New Mexico 0 0 0 N/A
New York 16218201 358094 45 N/A
North Carolina 1770 845 2 N/A
North Dakota 0 0 0 N/A
Ohio 26541 2073 13 N/A
Oklahoma 112822 826 137 N/A
Oregon 0 0 0 N/A
Pennsylvania 48097814 223191 216 N/A
Rhode Island 0 0 0 N/A
South Carolina 10416 98 107 N/A
South Dakota 0 0 0 N/A
Tennessee 4081958 18382 222 N/A
Texas 2140868 16056 133 N/A
Utah 473696 388 1221 N/A
Vermont 0 0 0 N/A
Virginia 4740675 47692 99 N/A
Washington 3275567 10678 307 N/A
West Virginia 0 0 0 N/A
Wisconsin 3280886 112357 29 N/A
Wyoming 502978 1549 325 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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 221728045 2138241 104 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 2035222 5350 380 N/A
Arkansas 751092 27439 27 N/A
California 16279319 372233 44 N/A
Colorado 0 0 0 N/A
Connecticut 0 0 0 N/A
Delaware 0 0 0 N/A
District of Columbia 11405657 184068 62 N/A
Florida 22591896 385331 59 N/A
Georgia 216890 1772 122 N/A
Hawaii 2344667 1313 1786 N/A
Idaho 362784 2171 167 N/A
Illinois 4056738 8074 502 N/A
Indiana 1795780 54075 33 N/A
Iowa 685650 8888 77 N/A
Kansas 157163 1005 156 N/A
Kentucky 60828 1055 58 N/A
Louisiana 4292565 41976 102 N/A
Maine 0 0 0 N/A
Maryland 2452750 11832 207 N/A
Massachusetts 2078837 34595 60 N/A
Michigan 336624 1505 224 N/A
Minnesota 130908 2381 55 N/A
Mississippi 1960171 29162 67 N/A
Missouri 14211 1255 11 N/A
Montana 453948 4889 93 N/A
Nebraska 3325274 30107 110 N/A
Nevada 1371837 21500 64 N/A
New Hampshire 3533163 29988 118 N/A
New Jersey 16711648 113825 147 N/A
New Mexico 0 0 0 N/A
New York 17567657 360556 49 N/A
North Carolina 1227 799 2 N/A
North Dakota 0 0 0 N/A
Ohio 586626 3494 168 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 76504808 229653 333 N/A
Rhode Island 0 0 0 N/A
South Carolina 0 0 0 N/A
South Dakota 92899 207 449 N/A
Tennessee 6317111 17317 365 N/A
Texas 2416208 15700 154 N/A
Utah 430667 595 724 N/A
Vermont 0 0 0 N/A
Virginia 14172212 121619 117 N/A
Washington 3746883 10954 342 N/A
West Virginia 0 0 0 N/A
Wisconsin 0 0 0 N/A
Wyoming 486128 1557 312 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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 183299940 1660801 110 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 1725889 3620 477 N/A
Arkansas 775635 30902 25 N/A
California 7173910 263697 27 N/A
Colorado 63561 411 155 N/A
Connecticut 0 0 0 N/A
Delaware 0 0 0 N/A
District of Columbia 29491123 233110 127 N/A
Florida 90371 2008 45 N/A
Georgia 39247 1837 21 N/A
Hawaii 764734 1000 765 N/A
Idaho 234866 1817 129 N/A
Illinois 2748070 7864 349 N/A
Indiana 679042 55425 12 N/A
Iowa 0 0 0 N/A
Kansas 84620 1158 73 N/A
Kentucky 20521 316 65 N/A
Louisiana 838806 38172 22 N/A
Maine 0 0 0 N/A
Maryland 6918538 30595 226 N/A
Massachusetts 10512413 155368 68 N/A
Michigan 3599155 24092 149 N/A
Minnesota 0 0 0 N/A
Mississippi 1507751 3312 455 N/A
Missouri 36068 1221 30 N/A
Montana 795704 6191 129 N/A
Nebraska 3886750 23011 169 N/A
Nevada 32371 3413 9 N/A
New Hampshire 6166181 32047 192 N/A
New Jersey 3411822 36349 94 N/A
New Mexico 0 0 0 N/A
New York 8203891 158218 52 N/A
North Carolina 17612 1200 15 N/A
North Dakota 0 0 0 N/A
Ohio 6445112 98886 65 N/A
Oklahoma 11215 284 40 N/A
Oregon 0 0 0 N/A
Pennsylvania 69100824 239646 288 N/A
Rhode Island 0 0 0 N/A
South Carolina 2066513 41818 49 N/A
South Dakota 0 0 0 N/A
Tennessee 3321984 15473 215 N/A
Texas 1139227 16732 68 N/A
Utah 309463 374 827 N/A
Vermont 0 0 0 N/A
Virginia 10701191 120620 89 N/A
Washington 385760 10614 36 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
2020
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 290594750 2440262 119 N/A
Alabama 15841 294 54 N/A
Alaska 0 0 0 N/A
Arizona 2303123 3833 601 N/A
Arkansas 1808582 35914 50 N/A
California 6729840 200020 34 N/A
Colorado 2528144 59191 43 N/A
Connecticut 0 0 0 N/A
Delaware 401622 5856 69 N/A
District of Columbia 33706854 239060 141 N/A
Florida 17840968 188744 95 N/A
Georgia 74211 2052 36 N/A
Hawaii 2199311 1066 2063 N/A
Idaho 1319815 9452 140 N/A
Illinois 2375408 4219 563 N/A
Indiana 18025 511 35 N/A
Iowa 0 0 0 N/A
Kansas 448248 1476 304 N/A
Kentucky 1075310 9964 108 N/A
Louisiana 9024032 76621 118 N/A
Maine 286430 2284 125 N/A
Maryland 13182146 106238 124 N/A
Massachusetts 18437910 148031 125 N/A
Michigan 7436812 42873 173 N/A
Minnesota 3293034 11757 280 N/A
Mississippi 2758819 6333 436 N/A
Missouri 64901 798 81 N/A
Montana 0 0 0 N/A
Nebraska 2771512 27466 101 N/A
Nevada 3061851 22087 139 N/A
New Hampshire 8337502 33271 251 N/A
New Jersey 13763360 152110 90 N/A
New Mexico 0 0 0 N/A
New York 32141215 383709 84 N/A
North Carolina 158287 23730 7 N/A
North Dakota 0 0 0 N/A
Ohio 6591668 104119 63 N/A
Oklahoma 0 0 0 N/A
Oregon 200811 311 647 N/A
Pennsylvania 64271909 240368 267 N/A
Rhode Island 0 0 0 N/A
South Carolina 2985812 42241 71 N/A
South Dakota 0 0 0 N/A
Tennessee 1730355 50835 34 N/A
Texas 3176348 25394 125 N/A
Utah 149283 2191 68 N/A
Vermont 0 0 0 N/A
Virginia 22639536 162444 139 N/A
Washington 1109053 12287 90 N/A
West Virginia 0 0 0 N/A
Wisconsin 176862 1114 159 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
2019
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 317194203 2616289 121 N/A
Alabama 22612 380 60 N/A
Alaska 0 0 0 N/A
Arizona 3287552 38962 84 N/A
Arkansas 2632387 24204 109 N/A
California 7897343 201195 39 N/A
Colorado 761438 1720 443 N/A
Connecticut 0 0 0 N/A
Delaware 51194 8993 6 N/A
District of Columbia 31821569 105238 302 N/A
Florida 36246003 198888 182 N/A
Georgia 223098 3162 71 N/A
Hawaii 1829043 971 1884 N/A
Idaho 279235 9561 29 N/A
Illinois 2047737 32859 62 N/A
Indiana 17270 502 34 N/A
Iowa 540899 26245 21 N/A
Kansas 1352906 22243 61 N/A
Kentucky 164760 939 175 N/A
Louisiana 12258658 79441 154 N/A
Maine 955581 3987 240 N/A
Maryland 23111508 175770 131 N/A
Massachusetts 7085229 149654 47 N/A
Michigan 8587002 46507 185 N/A
Minnesota 0 0 0 N/A
Mississippi 4211962 29967 141 N/A
Missouri 59091 827 71 N/A
Montana 498433 8965 56 N/A
Nebraska 1999458 33321 60 N/A
Nevada 2702349 21897 123 N/A
New Hampshire 6532514 45149 145 N/A
New Jersey 17801829 145525 122 N/A
New Mexico 0 0 0 N/A
New York 27949235 377353 74 N/A
North Carolina 40551 828 49 N/A
North Dakota 0 0 0 N/A
Ohio 1228047 12814 96 N/A
Oklahoma 0 0 0 N/A
Oregon 32431 345 94 N/A
Pennsylvania 64780095 248862 260 N/A
Rhode Island 0 0 0 N/A
South Carolina 5525332 44325 125 N/A
South Dakota 0 0 0 N/A
Tennessee 3627843 29054 125 N/A
Texas 11926709 96980 123 N/A
Utah 21850 747 29 N/A
Vermont 54756 1831 30 N/A
Virginia 24414687 175677 139 N/A
Washington 2614006 210402 12 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
2018
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 290646616 2270322 128 N/A
Alabama 17097 84 204 N/A
Alaska 0 0 0 N/A
Arizona 4741022 13661 347 N/A
Arkansas 3974846 34131 116 N/A
California 11504381 40761 282 N/A
Colorado 1616043 6041 268 N/A
Connecticut 0 0 0 N/A
Delaware 1746291 16609 105 N/A
District of Columbia 31566510 106171 297 N/A
Florida 42152017 210004 201 N/A
Georgia 1168235 3104 376 N/A
Hawaii 277110 701 395 N/A
Idaho 140221 1181 119 N/A
Illinois 7449140 45787 163 N/A
Indiana 4237227 22893 185 N/A
Iowa 130210 376 347 N/A
Kansas 952752 4023 237 N/A
Kentucky 44505 363 123 N/A
Louisiana 10082922 73943 136 N/A
Maine 0 0 0 N/A
Maryland 29925862 317869 94 N/A
Massachusetts 1462398 27588 53 N/A
Michigan 3399217 23741 143 N/A
Minnesota 0 0 0 N/A
Mississippi 2433360 24316 100 N/A
Missouri 86093 837 103 N/A
Montana 528294 2960 178 N/A
Nebraska 827045 45641 18 N/A
Nevada 1176499 14972 79 N/A
New Hampshire 2829634 42773 66 N/A
New Jersey 15568469 97780 159 N/A
New Mexico 0 0 0 N/A
New York 23954211 390135 61 N/A
North Carolina 70471 643 110 N/A
North Dakota 0 0 0 N/A
Ohio 862829 7254 119 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 38522199 255717 151 N/A
Rhode Island 0 0 0 N/A
South Carolina 4054125 44048 92 N/A
South Dakota 0 0 0 N/A
Tennessee 164878 4659 35 N/A
Texas 11500755 30097 382 N/A
Utah 348979 441 791 N/A
Vermont 0 0 0 N/A
Virginia 26082040 134629 194 N/A
Washington 3674872 220615 17 N/A
West Virginia 1373859 3777 364 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
2017
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 264798988 2321093 114 N/A
Alabama 36143 758 48 N/A
Alaska 0 0 0 N/A
Arizona 7308653 24757 295 N/A
Arkansas 1926226 12223 158 N/A
California 16591959 30665 541 N/A
Colorado 382969 2332 164 N/A
Connecticut 0 0 0 N/A
Delaware 614594 10474 59 N/A
District of Columbia 25756242 91071 283 N/A
Florida 46724649 304595 153 N/A
Georgia 16147168 253944 64 N/A
Hawaii 314241 818 384 N/A
Idaho 64430 2021 32 N/A
Illinois 10725872 44356 242 N/A
Indiana 1053455 24960 42 N/A
Iowa 643088 4992 129 N/A
Kansas 1244903 11354 110 N/A
Kentucky 26253 923 28 N/A
Louisiana 314880 61158 5 N/A
Maine 0 0 0 N/A
Maryland 31166590 325182 96 N/A
Massachusetts 16934 1217 14 N/A
Michigan 3107865 25334 123 N/A
Minnesota 54253 236 230 N/A
Mississippi 4069848 29449 138 N/A
Missouri 155991 1320 118 N/A
Montana 0 0 0 N/A
Nebraska 69737 1665 42 N/A
Nevada 19071 567 34 N/A
New Hampshire 1390995 8442 165 N/A
New Jersey 14105078 91627 154 N/A
New Mexico 0 0 0 N/A
New York 24615717 383984 64 N/A
North Carolina 772240 40193 19 N/A
North Dakota 0 0 0 N/A
Ohio 304486 5163 59 N/A
Oklahoma 280441 5758 49 N/A
Oregon 96757 636 152 N/A
Pennsylvania 17572974 256504 69 N/A
Rhode Island 0 0 0 N/A
South Carolina 440814 40673 11 N/A
South Dakota 0 0 0 N/A
Tennessee 2322964 23653 98 N/A
Texas 7340431 39740 185 N/A
Utah 377289 464 814 N/A
Vermont 0 0 0 N/A
Virginia 25435502 151049 168 N/A
Washington 0 0 0 N/A
West Virginia 1207286 6840 177 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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 190568033 1639023 116 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 6695408 23399 286 N/A
Arkansas 147236 761 193 N/A
California 16292600 29784 547 N/A
Colorado 1607310 14307 112 N/A
Connecticut 0 0 0 N/A
Delaware 0 0 0 N/A
District of Columbia 14658558 85812 171 N/A
Florida 31537042 214955 147 N/A
Georgia 10223718 250112 41 N/A
Hawaii 0 0 0 N/A
Idaho 139425 1321 106 N/A
Illinois 4923095 34878 141 N/A
Indiana 1781994 7003 254 N/A
Iowa 135556 385 352 N/A
Kansas 3961074 15748 252 N/A
Kentucky 142896 861 166 N/A
Louisiana 147966 1330 111 N/A
Maine 0 0 0 N/A
Maryland 22891206 118915 193 N/A
Massachusetts 28627 795 36 N/A
Michigan 576944 1270 454 N/A
Minnesota 0 0 0 N/A
Mississippi 3332726 29087 115 N/A
Missouri 155677 1052 148 N/A
Montana 0 0 0 N/A
Nebraska 118097 992 119 N/A
Nevada 656545 7661 86 N/A
New Hampshire 0 0 0 N/A
New Jersey 7513789 130065 58 N/A
New Mexico 0 0 0 N/A
New York 25712983 337275 76 N/A
North Carolina 2684752 22560 119 N/A
North Dakota 0 0 0 N/A
Ohio 737690 3154 234 N/A
Oklahoma 35002 364 96 N/A
Oregon 0 0 0 N/A
Pennsylvania 545357 56077 10 N/A
Rhode Island 0 0 0 N/A
South Carolina 0 0 0 N/A
South Dakota 0 0 0 N/A
Tennessee 547729 3426 160 N/A
Texas 7728747 49659 156 N/A
Utah 133015 3189 42 N/A
Vermont 0 0 0 N/A
Virginia 23529068 134437 175 N/A
Washington 1103455 50454 22 N/A
West Virginia 142748 7936 18 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
2015
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 135562593 1734038 78 146
Alabama 0 0 0 0
Alaska 0 0 0 0
Arizona 2691685 5741 469 738
Arkansas 2162892 26878 80 134
California 11446002 55963 205 393
Colorado 1561467 4526 345 479
Connecticut 0 0 0 0
Delaware 0 0 0 0
District of Columbia 16436910 243619 67 148
Florida 13949380 211480 66 100
Georgia 5414033 173874 31 51
Hawaii 1156997 1273 909 1632
Idaho 0 0 0 0
Illinois 1015999 9292 109 201
Indiana 1625001 70952 23 44
Iowa 948563 16312 58 101
Kansas 50053 510 98 104
Kentucky 0 0 0 0
Louisiana 0 0 0 0
Maine 0 0 0 0
Maryland 20397596 109893 186 333
Massachusetts 31859 2005 16 20
Michigan 4799809 272177 18 47
Minnesota 65797 1508 44 70
Mississippi 3977065 28932 137 203
Missouri 475374 2114 225 494
Montana 0 0 0 0
Nebraska 95032 747 127 254
Nevada 2119771 2734 775 2099
New Hampshire 0 0 0 0
New Jersey 2634720 116900 23 42
New Mexico 0 0 0 0
New York 22949965 272550 84 148
North Carolina 2167067 11022 197 238
North Dakota 0 0 0 0
Ohio 316194 1224 258 517
Oklahoma 0 0 0 0
Oregon 0 0 0 0
Pennsylvania 254243 1480 172 299
Rhode Island 0 0 0 0
South Carolina 0 0 0 0
South Dakota 0 0 0 0
Tennessee 719529 4435 162 340
Texas 5792846 16282 356 531
Utah 0 0 0 0
Vermont 0 0 0 0
Virginia 9856701 65304 151 268
Washington 441587 2897 152 264
West Virginia 8456 1415 6 12
Wisconsin 0 0 0 0
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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 90787214 1532126 59 102
Alabama 0 0 0 0
Alaska 0 0 0 0
Arizona 5041957 174570 29 40
Arkansas 3819765 21443 178 325
California 8230641 63519 130 260
Colorado 4918285 97387 51 93
Connecticut 1834954 22166 83 177
Delaware 969918 4209 230 437
District of Columbia 6587383 32173 205 320
Florida 6348183 175961 36 54
Georgia 159898 968 165 294
Hawaii 1395611 1377 1014 1948
Idaho 0 0 0 0
Illinois 694902 5967 116 335
Indiana 146901 4360 34 73
Iowa 0 0 0 0
Kansas 0 0 0 0
Kentucky 858981 51330 17 31
Louisiana 219013 52201 4 8
Maine 160821 4449 36 71
Maryland 17468600 113652 154 295
Massachusetts 380650 20939 18 28
Michigan 3803792 42460 90 208
Minnesota 0 0 0 0
Mississippi 2528766 31092 81 131
Missouri 224604 1355 166 362
Montana 0 0 0 0
Nebraska 0 0 0 0
Nevada 49092 674 73 107
New Hampshire 132855 281 473 945
New Jersey 1161336 20320 57 108
New Mexico 1266980 10703 118 229
New York 6657645 285390 23 46
North Carolina 1889360 104130 18 28
North Dakota 0 0 0 0
Ohio 0 0 0 0
Oklahoma 2943532 51594 57 100
Oregon 430106 17642 24 32
Pennsylvania 86004 244 352 352
Rhode Island 0 0 0 0
South Carolina 0 0 0 0
South Dakota 0 0 0 0
Tennessee 165723 4127 40 76
Texas 4607628 21419 215 419
Utah 334455 641 522 981
Vermont 0 0 0 0
Virginia 5139013 61690 83 153
Washington 129860 31694 4 6
West Virginia 0 0 0 0
Wisconsin 0 0 0 0
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 Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 81506757 2009286 41 73
Alabama 0 0 0 0
Alaska 0 0 0 0
Arizona 1181074 182779 6 9
Arkansas 2592627 22999 113 205
California 3445743 38482 90 128
Colorado 1474433 14926 99 164
Connecticut 2638239 31734 83 183
Delaware 242249 3176 76 115
District of Columbia 8334005 153009 54 119
Florida 5701177 156936 36 55
Georgia 272139 6878 40 83
Hawaii 2636941 47688 55 100
Idaho 0 0 0 0
Illinois 1655285 36163 46 83
Indiana 208455 848 246 628
Iowa 1101411 11328 97 194
Kansas 0 0 0 0
Kentucky 766295 61906 12 23
Louisiana 2454053 83227 29 56
Maine 1607119 13540 119 211
Maryland 12097876 144708 84 157
Massachusetts 4256856 22325 191 315
Michigan 2743398 36200 76 154
Minnesota 523254 1915 273 522
Mississippi 1096807 29414 37 54
Missouri 236745 1047 226 512
Montana 0 0 0 0
Nebraska 825674 14222 58 64
Nevada 417655 8141 51 91
New Hampshire 1457985 12795 114 279
New Jersey 3434389 42300 81 142
New Mexico 0 0 0 0
New York 5883907 512974 11 23
North Carolina 2032124 87326 23 43
North Dakota 0 0 0 0
Ohio 0 0 0 0
Oklahoma 2031949 44724 45 79
Oregon 135534 15933 9 17
Pennsylvania 529102 1372 386 503
Rhode Island 48696 710 69 131
South Carolina 0 0 0 0
South Dakota 2582 867 3 5
Tennessee 912129 7741 118 240
Texas 823862 37813 22 37
Utah 809258 43701 19 50
Vermont 0 0 0 0
Virginia 2884042 17987 160 310
Washington 0 0 0 0
West Virginia 0 0 0 0
Wisconsin 0 0 0 0
Wyoming 35453 192 185 369
American Samoa 0 0 0 0
Guam 534631 28240 19 31
Northern Mariana Islands 0 0 0 0
Puerto Rico 1441603 31018 46 101
Virgin Islands 0 0 0 0
2012
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States $108,669,805 2,699,675 40 $74
Alabama $0 0 0 $0
Alaska $0 0 0 $0
Arizona $10,534,924 218,623 48 $72
Arkansas $1,191,628 22,766 52 $93
California $5,298,652 358,531 15 $25
Colorado $9,786,401 109,247 90 $168
Connecticut $0 0 0 $0
Delaware $727,951 2,186 333 $657
District of Columbia $3,060,682 198,326 15 $33
Florida $1,449,383 42,106 34 $51
Georgia $280,093 1,384 202 $496
Hawaii $1,551,371 39,589 39 $59
Idaho $0 0 0 $0
Illinois $1,735,875 81,795 21 $34
Indiana $1,201,094 3,207 375 $638
Iowa $138,914 1,654 84 $136
Kansas $0 0 0 $0
Kentucky $994,572 61,864 16 $31
Louisiana $769,985 46,763 16 $30
Maine $501,240 8,796 57 $106
Maryland $6,244,641 105,405 59 $113
Massachusetts $1,285,870 19,255 67 $962
Michigan $1,207,824 7,761 156 $340
Minnesota $451,574 1,101 410 $702
Mississippi $1,419,837 24,405 58 $85
Missouri $5,053,056 157,971 32 $57
Montana $141,882 541 262 $475
Nebraska $109,577 13,099 8 $14
Nevada $673,888 5,525 122 $224
New Hampshire $673,453 13,004 52 $110
New Jersey $4,136,811 45,658 91 $160
New Mexico $0 0 0 $0
New York $24,489,388 597,670 41 $80
North Carolina $5,012,691 109,111 46 $83
North Dakota $0 0 0 $0
Ohio $0 0 0 $0
Oklahoma $4,006,061 47,857 84 $140
Oregon $1,479,749 2,370 624 $1,256
Pennsylvania $662,383 35,531 19 $37
Rhode Island $18,053 1,265 14 $43
South Carolina $0 0 0 $0
South Dakota $41,240 784 53 $70
Tennessee $705,088 64,676 11 $22
Texas $3,756,504 52,150 72 $116
Utah $587,175 33,979 17 $42
Vermont $126,810 5,248 24 $58
Virginia $3,206,732 21,695 148 $212
Washington $20,550 381 54 $20,550
West Virginia $0 0 0 $0
Wisconsin $2,802,562 99,129 28 $58
Wyoming $732,735 1,514 484 $854
American Samoa $0 0 0 $0
Guam $400,908 35,756 11 $3,747
Northern Mariana Islands $0 0 0 $0
Puerto Rico $0 0 0 $0
Virgin Islands $0 0 0 $0
2011
Location Large Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 403325280 N/A N/A N/A
Alabama 0 N/A N/A N/A
Alaska 0 N/A N/A N/A
Arizona 7833230 N/A N/A N/A
Arkansas 1586610 N/A N/A N/A
California 14128086 N/A N/A N/A
Colorado 22455477 N/A N/A N/A
Connecticut 8499305 N/A N/A N/A
Delaware 1501447 N/A N/A N/A
District of Columbia 45646630 N/A N/A N/A
Florida 25655361 N/A N/A N/A
Georgia 15120652 N/A N/A N/A
Hawaii 195053 N/A N/A N/A
Idaho 0 N/A N/A N/A
Illinois 6616087 N/A N/A N/A
Indiana 2167939 N/A N/A N/A
Iowa 0 N/A N/A N/A
Kansas 0 N/A N/A N/A
Kentucky 10973851 N/A N/A N/A
Louisiana 1254060 N/A N/A N/A
Maine 2579922 N/A N/A N/A
Maryland 14194665 N/A N/A N/A
Massachusetts 2449126 N/A N/A N/A
Michigan 0 N/A N/A N/A
Minnesota 8462393 N/A N/A N/A
Mississippi 0 N/A N/A N/A
Missouri 6135330 N/A N/A N/A
Montana 0 N/A N/A N/A
Nebraska 0 N/A N/A N/A
Nevada 381754 N/A N/A N/A
New Hampshire 77507 N/A N/A N/A
New Jersey 7555775 N/A N/A N/A
New Mexico 0 N/A N/A N/A
New York 86363678 N/A N/A N/A
North Carolina 15373642 N/A N/A N/A
North Dakota 0 N/A N/A N/A
Ohio 0 N/A N/A N/A
Oklahoma 411290 N/A N/A N/A
Oregon 805132 N/A N/A N/A
Pennsylvania 30565319 N/A N/A N/A
Rhode Island 0 N/A N/A N/A
South Carolina 54594 N/A N/A N/A
South Dakota 0 N/A N/A N/A
Tennessee 7113494 N/A N/A N/A
Texas 18186102 N/A N/A N/A
Utah 857591 N/A N/A N/A
Vermont 2346018 N/A N/A N/A
Virginia 15872531 N/A N/A N/A
Washington 161698 N/A N/A N/A
West Virginia 0 N/A N/A N/A
Wisconsin 4664080 N/A N/A N/A
Wyoming 0 N/A N/A N/A
American Samoa 0 N/A N/A N/A
Guam 11397165 N/A N/A N/A
Northern Mariana Islands 0 N/A N/A N/A
Puerto Rico 3682686 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 large group market spends less than 85% 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
Large Group Market : All health insurance policies issued in the large group market (including the Federal Employees Health Benefit Program and fully insured State and local government policies).
N/A : Data not available.