Medical Loss Ratio (MLR) Rebates in the Small 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 274036755 1444186 190 N/A
Alaska 0 0 0 N/A
Alabama 198170 412 481 N/A
Arkansas 1587433 4812 330 N/A
Arizona 8623648 50760 170 N/A
California 13364733 112396 119 N/A
Colorado 0 0 0 N/A
Connecticut 1583672 1627 974 N/A
District of Columbia 65628 390 168 N/A
Delaware 0 0 0 N/A
Florida 17105833 84078 203 N/A
Georgia 10267903 10273 999 N/A
Hawaii 0 0 0 N/A
Iowa 3184633 9393 339 N/A
Idaho 0 0 0 N/A
Illinois 154394 702 220 N/A
Indiana 25680378 70072 366 N/A
Kansas 5639721 6972 809 N/A
Kentucky 1684980 24425 69 N/A
Louisiana 419405 4657 90 N/A
Massachusetts 54400148 291251 187 N/A
Maryland 19020073 160273 119 N/A
Maine 0 0 0 N/A
Michigan 0 0 0 N/A
Minnesota 0 0 0 N/A
Missouri 33363492 79962 417 N/A
Mississippi 0 0 0 N/A
Montana 0 0 0 N/A
North Carolina 1442865 39082 37 N/A
North Dakota 0 0 0 N/A
Nebraska 0 0 0 N/A
New Hampshire 1372224 33333 41 N/A
New Jersey 0 0 0 N/A
New Mexico 0 0 0 N/A
Nevada 107640 16621 6 N/A
New York 0 0 0 N/A
Ohio 17953962 52830 340 N/A
Oklahoma 1941239 4361 445 N/A
Oregon 0 0 0 N/A
Pennsylvania 23396729 164725 142 N/A
Rhode Island 0 0 0 N/A
South Carolina 4851916 38308 127 N/A
South Dakota 0 0 0 N/A
Tennessee 54985 43 1294 N/A
Texas 6733675 48495 139 N/A
Utah 376425 405 929 N/A
Virginia 8165860 61685 132 N/A
Vermont 0 0 0 N/A
Washington 468434 388 1208 N/A
Wisconsin 9453104 69739 136 N/A
West Virginia 0 0 0 N/A
Wyoming 1373452 1719 799 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 299022849 1294447 231 N/A
Alabama 6181 566 11 N/A
Alaska 0 0 0 N/A
Arizona 13702067 108304 127 N/A
Arkansas 1235366 5149 240 N/A
California 24424495 112124 218 N/A
Colorado 0 0 0 N/A
Connecticut 4356418 32744 133 N/A
Delaware 312745 1578 198 N/A
District of Columbia 0 0 0 N/A
Florida 18630056 66818 279 N/A
Georgia 8320265 9222 902 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 0 0 0 N/A
Indiana 12527971 59611 210 N/A
Iowa 1000455 3868 259 N/A
Kansas 5578811 13438 415 N/A
Kentucky 8195181 22771 360 N/A
Louisiana 1247967 4617 270 N/A
Maine 0 0 0 N/A
Maryland 3188944 17342 184 N/A
Massachusetts 40710876 222282 183 N/A
Michigan 0 0 0 N/A
Minnesota 0 0 0 N/A
Mississippi 798508 6162 130 N/A
Missouri 32825984 90232 364 N/A
Montana 0 0 0 N/A
Nebraska 2590879 6749 384 N/A
Nevada 4643205 14365 323 N/A
New Hampshire 5325762 39318 135 N/A
New Jersey 0 0 0 N/A
New Mexico 0 0 0 N/A
New York 11260 1544 7 N/A
North Carolina 0 0 0 N/A
North Dakota 0 0 0 N/A
Ohio 12049705 59590 202 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 52551160 166330 316 N/A
Rhode Island 0 0 0 N/A
South Carolina 11635436 41932 277 N/A
South Dakota 151 1 140 N/A
Tennessee 743562 597 1247 N/A
Texas 5666368 72933 78 N/A
Utah 551343 437 1263 N/A
Vermont 0 0 0 N/A
Virginia 14751335 64559 228 N/A
Washington 93395 308 303 N/A
West Virginia 0 0 0 N/A
Wisconsin 10520241 47275 223 N/A
Wyoming 826756 1684 491 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 393558960 1955739 201 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 9167489 118969 77 N/A
Arkansas 2116058 11305 187 N/A
California 77924864 571571 136 N/A
Colorado 4131851 58453 71 N/A
Connecticut 6719739 24411 275 N/A
Delaware 480739 2040 236 N/A
District of Columbia 0 0 0 N/A
Florida 17779041 61305 290 N/A
Georgia 7445769 12763 583 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 0 0 0 N/A
Indiana 4736207 63305 75 N/A
Iowa 31007 5124 6 N/A
Kansas 4025752 15650 257 N/A
Kentucky 9673993 23763 407 N/A
Louisiana 59382 5347 11 N/A
Maine 435108 14604 30 N/A
Maryland 4183689 20165 207 N/A
Massachusetts 46896630 255432 184 N/A
Michigan 0 0 0 N/A
Minnesota 0 0 0 N/A
Mississippi 1463882 5552 264 N/A
Missouri 22808334 93552 244 N/A
Montana 0 0 0 N/A
Nebraska 2237533 9488 236 N/A
Nevada 3776362 13512 279 N/A
New Hampshire 2396856 36620 65 N/A
New Jersey 3731311 80951 46 N/A
New Mexico 0 0 0 N/A
New York 56151 1107 51 N/A
North Carolina 0 0 0 N/A
North Dakota 0 0 0 N/A
Ohio 10303445 74039 139 N/A
Oklahoma 0 0 0 N/A
Oregon 0 0 0 N/A
Pennsylvania 95486405 209032 457 N/A
Rhode Island 0 0 0 N/A
South Carolina 17276826 56298 307 N/A
South Dakota 1798599 1565 1149 N/A
Tennessee 753163 605 1246 N/A
Texas 2742631 5037 545 N/A
Utah 325362 420 775 N/A
Vermont 0 0 0 N/A
Virginia 24963483 67390 370 N/A
Washington 0 0 0 N/A
West Virginia 0 0 0 N/A
Wisconsin 7589929 34608 219 N/A
Wyoming 41369 1758 24 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 362106059 2140657 169 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 7332881 119739 61 N/A
Arkansas 2653165 15948 166 N/A
California 98021567 603166 163 N/A
Colorado 8546469 49901 171 N/A
Connecticut 226917 25884 9 N/A
Delaware 1350545 21959 62 N/A
District of Columbia 0 0 0 N/A
Florida 20873216 181959 115 N/A
Georgia 5708715 18019 317 N/A
Hawaii 961128 12185 79 N/A
Idaho 0 0 0 N/A
Illinois 0 0 0 N/A
Indiana 0 0 0 N/A
Iowa 269165 6619 41 N/A
Kansas 0 0 0 N/A
Kentucky 6688199 27918 240 N/A
Louisiana 0 0 0 N/A
Maine 3618937 12838 282 N/A
Maryland 1634268 20054 81 N/A
Massachusetts 30087511 235250 128 N/A
Michigan 180065 21327 8 N/A
Minnesota 0 0 0 N/A
Mississippi 145828 5650 26 N/A
Missouri 14907880 41258 361 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 0 0 0 N/A
New Hampshire 4454137 32132 139 N/A
New Jersey 10937261 84550 129 N/A
New Mexico 0 0 0 N/A
New York 0 0 0 N/A
North Carolina 109879 563 195 N/A
North Dakota 0 0 0 N/A
Ohio 6571712 76864 85 N/A
Oklahoma 1358892 9840 138 N/A
Oregon 0 0 0 N/A
Pennsylvania 71706746 211739 339 N/A
Rhode Island 0 0 0 N/A
South Carolina 13298637 47792 278 N/A
South Dakota 1046947 1738 603 N/A
Tennessee 645905 707 913 N/A
Texas 4023615 70021 57 N/A
Utah 284396 481 592 N/A
Vermont 0 0 0 N/A
Virginia 38310425 138892 276 N/A
Washington 223606 1770 126 N/A
West Virginia 0 0 0 N/A
Wisconsin 5774594 42177 137 N/A
Wyoming 152851 1717 89 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 384263096 2567377 150 N/A
Alabama 0 0 0 N/A
Alaska 2145226 12817 167 N/A
Arizona 9634233 127991 75 N/A
Arkansas 1484607 15120 98 N/A
California 75515405 487633 155 N/A
Colorado 2797369 42609 66 N/A
Connecticut 0 0 0 N/A
Delaware 4101928 21386 192 N/A
District of Columbia 264617 1149 230 N/A
Florida 40488028 184138 220 N/A
Georgia 4834296 41657 116 N/A
Hawaii 1163729 11276 103 N/A
Idaho 0 0 0 N/A
Illinois 6967711 63546 110 N/A
Indiana 1919272 75301 25 N/A
Iowa 1803878 86121 21 N/A
Kansas 0 0 0 N/A
Kentucky 4310835 35764 121 N/A
Louisiana 0 0 0 N/A
Maine 4116729 11190 368 N/A
Maryland 20118477 185870 108 N/A
Massachusetts 29332522 133938 219 N/A
Michigan 6543790 44652 147 N/A
Minnesota 0 0 0 N/A
Mississippi 0 0 0 N/A
Missouri 17039154 123382 138 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 3875238 27851 139 N/A
New Hampshire 2986197 6330 472 N/A
New Jersey 5472131 25523 214 N/A
New Mexico 1945881 7186 271 N/A
New York 0 0 0 N/A
North Carolina 93658 571 164 N/A
North Dakota 0 0 0 N/A
Ohio 7447289 79936 93 N/A
Oklahoma 11836898 156328 76 N/A
Oregon 0 0 0 N/A
Pennsylvania 37181764 115017 323 N/A
Rhode Island 0 0 0 N/A
South Carolina 11317232 43875 258 N/A
South Dakota 953698 1876 508 N/A
Tennessee 6993962 132478 53 N/A
Texas 9761138 71703 136 N/A
Utah 52715 530 99 N/A
Vermont 0 0 0 N/A
Virginia 41697683 136869 305 N/A
Washington 96362 2169 44 N/A
West Virginia 0 0 0 N/A
Wisconsin 7969443 53594 149 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 423283564 3427175 124 N/A
Alabama 0 0 0 N/A
Alaska 2611318 13340 196 N/A
Arizona 2735529 58254 47 N/A
Arkansas 730225 7957 92 N/A
California 103255216 1061688 97 N/A
Colorado 2684017 97569 28 N/A
Connecticut 0 0 0 N/A
Delaware 8887552 21118 421 N/A
District of Columbia 0 0 0 N/A
Florida 52976798 247111 214 N/A
Georgia 5941823 65125 91 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 10775154 67362 160 N/A
Indiana 2059226 83020 25 N/A
Iowa 1108430 9971 111 N/A
Kansas 0 0 0 N/A
Kentucky 242362 2540 95 N/A
Louisiana 0 0 0 N/A
Maine 0 0 0 N/A
Maryland 26130156 190217 137 N/A
Massachusetts 22608824 127372 178 N/A
Michigan 8945719 65364 137 N/A
Minnesota 0 0 0 N/A
Mississippi 0 0 0 N/A
Missouri 26222366 139202 188 N/A
Montana 263653 965 273 N/A
Nebraska 0 0 0 N/A
Nevada 6342430 46392 137 N/A
New Hampshire 444816 3427 130 N/A
New Jersey 7038457 235269 30 N/A
New Mexico 1612918 7236 223 N/A
New York 0 0 0 N/A
North Carolina 0 0 0 N/A
North Dakota 0 0 0 N/A
Ohio 4096884 7146 573 N/A
Oklahoma 31842480 153682 207 N/A
Oregon 244545 2847 86 N/A
Pennsylvania 20487764 74577 275 N/A
Rhode Island 0 0 0 N/A
South Carolina 6511150 45566 143 N/A
South Dakota 395147 2321 170 N/A
Tennessee 11921987 205352 58 N/A
Texas 8998522 94889 95 N/A
Utah 2503338 29405 85 N/A
Vermont 0 0 0 N/A
Virginia 32700355 193829 169 N/A
Washington 59027 236 251 N/A
West Virginia 0 0 0 N/A
Wisconsin 9905378 66828 148 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 310343220 2950847 105 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 2451024 21528 114 N/A
Arkansas 0 0 0 N/A
California 77951056 962073 81 N/A
Colorado 7080320 90794 78 N/A
Connecticut 0 0 0 N/A
Delaware 6515133 21642 301 N/A
District of Columbia 237630 1763 135 N/A
Florida 44378478 274443 162 N/A
Georgia 4620777 16045 288 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 6544076 75240 87 N/A
Indiana 379699 2586 147 N/A
Iowa 1434580 10019 143 N/A
Kansas 765351 2395 320 N/A
Kentucky 0 0 0 N/A
Louisiana 0 0 0 N/A
Maine 0 0 0 N/A
Maryland 29418791 203330 145 N/A
Massachusetts 12527393 77735 161 N/A
Michigan 16554634 167229 99 N/A
Minnesota 0 0 0 N/A
Mississippi 0 0 0 N/A
Missouri 26957163 154327 175 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 7494112 50584 148 N/A
New Hampshire 0 0 0 N/A
New Jersey 0 0 0 N/A
New Mexico 1510102 7231 209 N/A
New York 0 0 0 N/A
North Carolina 0 0 0 N/A
North Dakota 0 0 0 N/A
Ohio 3448153 9189 375 N/A
Oklahoma 12761841 144661 88 N/A
Oregon 0 0 0 N/A
Pennsylvania 21996630 139445 158 N/A
Rhode Island 0 0 0 N/A
South Carolina 2630390 53780 49 N/A
South Dakota 0 0 0 N/A
Tennessee 4290227 145955 29 N/A
Texas 0 0 0 N/A
Utah 4234303 27097 156 N/A
Vermont 0 0 0 N/A
Virginia 12179947 198588 61 N/A
Washington 0 0 0 N/A
West Virginia 0 0 0 N/A
Wisconsin 1981411 93166 21 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 309406876 2672683 116 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 4026329 31389 128 N/A
Arkansas 18073 647 28 N/A
California 80794304 888943 91 N/A
Colorado 6905746 67283 103 N/A
Connecticut 0 0 0 N/A
Delaware 5937152 26850 221 N/A
District of Columbia 844756 2338 361 N/A
Florida 32803756 333903 98 N/A
Georgia 3901781 18800 208 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 2546472 67361 38 N/A
Indiana 250345 755 332 N/A
Iowa 1387893 9590 145 N/A
Kansas 2450117 12172 201 N/A
Kentucky 0 0 0 N/A
Louisiana 0 0 0 N/A
Maine 0 0 0 N/A
Maryland 44587469 226993 196 N/A
Massachusetts 6686850 62419 107 N/A
Michigan 49257984 334706 147 N/A
Minnesota 0 0 0 N/A
Mississippi 0 0 0 N/A
Missouri 23617952 159057 148 N/A
Montana 116211 1102 105 N/A
Nebraska 0 0 0 N/A
Nevada 6432012 43211 149 N/A
New Hampshire 0 0 0 N/A
New Jersey 0 0 0 N/A
New Mexico 314523 6082 52 N/A
New York 0 0 0 N/A
North Carolina 2932475 69728 42 N/A
North Dakota 0 0 0 N/A
Ohio 3481233 13538 257 N/A
Oklahoma 2153832 27622 78 N/A
Oregon 0 0 0 N/A
Pennsylvania 13161555 160407 82 N/A
Rhode Island 0 0 0 N/A
South Carolina 0 0 0 N/A
South Dakota 0 0 0 N/A
Tennessee 1228342 10581 116 N/A
Texas 0 0 0 N/A
Utah 3344894 27493 122 N/A
Vermont 0 0 0 N/A
Virginia 9907496 59044 168 N/A
Washington 0 0 0 N/A
West Virginia 0 0 0 N/A
Wisconsin 317325 10671 30 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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 153420878 1409380 109 N/A
Alabama 0 0 0 N/A
Alaska 0 0 0 N/A
Arizona 881198 4100 215 N/A
Arkansas 0 0 0 N/A
California 926343 565 1641 N/A
Colorado 1570036 67976 23 N/A
Connecticut 0 0 0 N/A
Delaware 38315 6908 6 N/A
District of Columbia 2602615 10728 243 N/A
Florida 27126359 412479 66 N/A
Georgia 3536771 15620 226 N/A
Hawaii 0 0 0 N/A
Idaho 0 0 0 N/A
Illinois 51356 156 330 N/A
Indiana 322807 1228 263 N/A
Iowa 626964 3223 195 N/A
Kansas 1508748 7820 193 N/A
Kentucky 0 0 0 N/A
Louisiana 0 0 0 N/A
Maine 0 0 0 N/A
Maryland 37639375 198037 190 N/A
Massachusetts 1244651 4400 283 N/A
Michigan 44392873 330552 134 N/A
Minnesota 0 0 0 N/A
Mississippi 505512 5959 85 N/A
Missouri 13231507 150207 88 N/A
Montana 0 0 0 N/A
Nebraska 0 0 0 N/A
Nevada 4032525 30819 131 N/A
New Hampshire 0 0 0 N/A
New Jersey 0 0 0 N/A
New Mexico 0 0 0 N/A
New York 1400337 6919 202 N/A
North Carolina 3963474 45163 88 N/A
North Dakota 0 0 0 N/A
Ohio 2852818 30784 93 N/A
Oklahoma 496402 4867 102 N/A
Oregon 0 0 0 N/A
Pennsylvania 339560 1783 190 N/A
Rhode Island 343216 705 487 N/A
South Carolina 0 0 0 N/A
South Dakota 0 0 0 N/A
Tennessee 921279 17393 53 N/A
Texas 0 0 0 N/A
Utah 0 0 0 N/A
Vermont 0 0 0 N/A
Virginia 2865837 50993 56 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
2015
Location Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 153761425 1928008 80 142
Alabama 0 0 0 0
Alaska 0 0 0 0
Arizona 1450736 5751 252 413
Arkansas 938597 17282 54 97
California 25259694 231114 109 206
Colorado 27470 794 35 68
Connecticut 0 0 0 0
Delaware 151507 3805 40 80
District of Columbia 1604031 8999 178 294
Florida 23424119 403829 58 94
Georgia 1955511 29284 67 107
Hawaii 0 0 0 0
Idaho 0 0 0 0
Illinois 772114 3591 215 433
Indiana 6188230 145904 42 84
Iowa 563907 3746 151 284
Kansas 1335935 2449 546 991
Kentucky 0 0 0 0
Louisiana 0 0 0 0
Maine 0 0 0 0
Maryland 24791994 178641 139 244
Massachusetts 125280 1930 65 251
Michigan 26640351 323179 82 166
Minnesota 0 0 0 0
Mississippi 211851 6718 32 56
Missouri 15866581 183449 86 149
Montana 0 0 0 0
Nebraska 0 0 0 0
Nevada 4055811 25902 157 260
New Hampshire 0 0 0 0
New Jersey 0 0 0 0
New Mexico 0 0 0 0
New York 204675 4254 48 100
North Carolina 5421198 38213 142 215
North Dakota 0 0 0 0
Ohio 870808 62266 14 26
Oklahoma 1871932 26001 72 138
Oregon 144946 9375 15 25
Pennsylvania 0 0 0 0
Rhode Island 0 0 0 0
South Carolina 1387 26 53 106
South Dakota 0 0 0 0
Tennessee 1689201 20762 81 137
Texas 1137845 2643 431 694
Utah 201132 1172 172 287
Vermont 0 0 0 0
Virginia 6125484 181289 34 57
Washington 0 0 0 0
West Virginia 729097 5640 129 256
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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 140347938 1860640 75 134
Alabama 0 0 0 0
Alaska 0 0 0 0
Arizona 3259218 63891 51 93
Arkansas 1324117 18644 71 114
California 24005319 167267 144 184
Colorado 0 0 0 0
Connecticut 0 0 0 0
Delaware 500517 7901 63 112
District of Columbia 7900634 9167 862 1566
Florida 27074040 416382 65 108
Georgia 1873346 27369 68 107
Hawaii 0 0 0 0
Idaho 0 0 0 0
Illinois 1125618 1442 781 1851
Indiana 11483534 245060 47 87
Iowa 0 0 0 0
Kansas 1530640 17559 87 138
Kentucky 0 0 0 0
Louisiana 0 0 0 0
Maine 0 0 0 0
Maryland 186215 9812 19 31
Massachusetts 9713235 62560 155 354
Michigan 14130760 333768 42 96
Minnesota 0 0 0 0
Mississippi 508676 7798 65 112
Missouri 12779421 205255 62 113
Montana 0 0 0 0
Nebraska 67849 86 789 1578
Nevada 3444511 23427 147 212
New Hampshire 0 0 0 0
New Jersey 0 0 0 0
New Mexico 0 0 0 0
New York 0 0 0 0
North Carolina 4646148 42946 108 182
North Dakota 0 0 0 0
Ohio 1098474 28722 38 73
Oklahoma 2545452 23077 110 195
Oregon 2110418 10368 204 347
Pennsylvania 0 0 0 0
Rhode Island 0 0 0 0
South Carolina 600331 7201 83 163
South Dakota 0 0 0 0
Tennessee 1137992 21983 52 99
Texas 1237728 4590 270 504
Utah 2758 62 44 89
Vermont 0 0 0 0
Virginia 5486779 101328 54 103
Washington 0 0 0 0
West Virginia 106185 457 232 460
Wisconsin 201289 2033 99 208
Wyoming 266734 484 551 1617
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 Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 122365085 2704466 45 79
Alabama 0 0 0 0
Alaska 0 0 0 0
Arizona 7067237 73757 96 172
Arkansas 1926554 21207 91 156
California 5250924 383921 14 23
Colorado 0 0 0 0
Connecticut 0 0 0 0
Delaware 0 0 0 0
District of Columbia 2817517 11014 256 447
Florida 17991361 465752 39 64
Georgia 5356957 117348 46 77
Hawaii 2252491 20034 112 225
Idaho 1341917 29289 46 84
Illinois 2849110 10292 277 492
Indiana 11216745 247562 45 82
Iowa 0 0 0 0
Kansas 1328139 28039 47 79
Kentucky 409885 38617 11 17
Louisiana 1383697 30507 45 65
Maine 237887 6002 40 50
Maryland 34522 9083 4 7
Massachusetts 8028725 148899 54 112
Michigan 2717563 49243 55 104
Minnesota 0 0 0 0
Mississippi 976889 10670 92 131
Missouri 10515688 243717 43 76
Montana 6840 262 26 83
Nebraska 324694 810 401 1034
Nevada 2900801 44907 65 110
New Hampshire 0 0 0 0
New Jersey 0 0 0 0
New Mexico 0 0 0 0
New York 4242087 58067 73 110
North Carolina 3725471 49315 76 129
North Dakota 0 0 0 0
Ohio 777679 31802 24 50
Oklahoma 3572403 25657 139 227
Oregon 1480302 10177 145 234
Pennsylvania 178422 1290 138 401
Rhode Island 0 0 0 0
South Carolina 2855793 98621 29 46
South Dakota 0 0 0 0
Tennessee 5489337 273740 20 37
Texas 1047135 4284 244 555
Utah 1676993 49426 34 92
Vermont 0 0 0 0
Virginia 5201260 51075 102 192
Washington 0 0 0 0
West Virginia 285783 1186 241 535
Wisconsin 0 0 0 0
Wyoming 759690 1928 394 689
American Samoa 0 0 0 0
Guam 1967846 11429 172 316
Northern Mariana Islands 75148 716 105 166
Puerto Rico 2093591 44821 47 98
Virgin Islands 0 0 0 0
2012
Location Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States $203,310,640 3,087,459 66 $122
Alabama $0 0 0 $0
Alaska $708,637 1,845 384 $575
Arizona $5,644,562 123,174 46 $82
Arkansas $1,438,291 88,078 16 $28
California $41,973,768 729,973 58 $105
Colorado $403,311 2,820 143 $235
Connecticut $4,266,585 21,613 197 $357
Delaware $0 0 0 $0
District of Columbia $2,003,528 11,267 178 $337
Florida $13,345,485 254,955 52 $94
Georgia $10,329,073 110,006 94 $171
Hawaii $0 0 0 $0
Idaho $2,085,935 27,291 76 $142
Illinois $1,494,727 5,313 281 $536
Indiana $20,509,248 261,298 78 $151
Iowa $0 0 0 $0
Kansas $1,294,972 27,097 48 $81
Kentucky $2,444,800 35,635 69 $113
Louisiana $487,347 28,778 17 $28
Maine $0 0 0 $0
Maryland $0 0 0 $0
Massachusetts $32,964,975 154,199 214 $447
Michigan $7,059,979 112,454 63 $123
Minnesota $0 0 0 $0
Mississippi $881,517 9,377 94 $155
Missouri $11,073,463 227,852 49 $86
Montana $0 0 0 $0
Nebraska $544,744 14,921 37 $68
Nevada $2,516,061 45,444 55 $98
New Hampshire $0 0 0 $0
New Jersey $6,631,571 174,353 38 $85
New Mexico $158,714 16,762 9 $17
New York $3,454,360 11,070 312 $354
North Carolina $2,665,508 61,081 44 $77
North Dakota $0 0 0 $0
Ohio $126,190 4,158 30 $61
Oklahoma $6,206,095 126,656 49 $78
Oregon $585,236 8,548 68 $111
Pennsylvania $159,066 1,687 94 $210
Rhode Island $0 0 0 $0
South Carolina $153,575 13,541 11 $21
South Dakota $0 0 0 $0
Tennessee $1,263,676 14,752 86 $128
Texas $1,678,900 48,825 34 $59
Utah $3,262,953 55,224 59 $163
Vermont $0 0 0 $0
Virginia $7,065,955 194,547 36 $67
Washington $0 0 0 $0
West Virginia $271,978 1,954 139 $313
Wisconsin $0 0 0 $0
Wyoming $542,820 1,535 354 $606
American Samoa $0 0 0 $0
Guam $1,641,756 13,405 122 $2,436
Northern Mariana Islands $23,145 787 29 $565
Puerto Rico $3,912,067 41,007 95 $199
Virgin Islands $36,068 4,181 9 $15
2011
Location Small Group Market Rebates Enrollees Benefiting from Rebates Average Rebate per Person Average Rebate per Family
United States 290083918 N/A N/A N/A
Alabama 1030471 N/A N/A N/A
Alaska 1280908 N/A N/A N/A
Arizona 8852428 N/A N/A N/A
Arkansas 5856324 N/A N/A N/A
California 42633080 N/A N/A N/A
Colorado 653254 N/A N/A N/A
Connecticut 459952 N/A N/A N/A
Delaware 0 N/A N/A N/A
District of Columbia 9337322 N/A N/A N/A
Florida 50713189 N/A N/A N/A
Georgia 1754466 N/A N/A N/A
Hawaii 0 N/A N/A N/A
Idaho 980615 N/A N/A N/A
Illinois 12200295 N/A N/A N/A
Indiana 9243361 N/A N/A N/A
Iowa 1469276 N/A N/A N/A
Kansas 603559 N/A N/A N/A
Kentucky 4119316 N/A N/A N/A
Louisiana 0 N/A N/A N/A
Maine 0 N/A N/A N/A
Maryland 2281663 N/A N/A N/A
Massachusetts 8193622 N/A N/A N/A
Michigan 2035618 N/A N/A N/A
Minnesota 0 N/A N/A N/A
Mississippi 101658 N/A N/A N/A
Missouri 38984777 N/A N/A N/A
Montana 882442 N/A N/A N/A
Nebraska 1127491 N/A N/A N/A
Nevada 3973839 N/A N/A N/A
New Hampshire 0 N/A N/A N/A
New Jersey 0 N/A N/A N/A
New Mexico 0 N/A N/A N/A
New York 3663077 N/A N/A N/A
North Carolina 894587 N/A N/A N/A
North Dakota 0 N/A N/A N/A
Ohio 3136534 N/A N/A N/A
Oklahoma 13282727 N/A N/A N/A
Oregon 1209614 N/A N/A N/A
Pennsylvania 345698 N/A N/A N/A
Rhode Island 0 N/A N/A N/A
South Carolina 4297790 N/A N/A N/A
South Dakota 0 N/A N/A N/A
Tennessee 3251333 N/A N/A N/A
Texas 14307687 N/A N/A N/A
Utah 1364193 N/A N/A N/A
Vermont 0 N/A N/A N/A
Virginia 23183224 N/A N/A N/A
Washington 0 N/A N/A N/A
West Virginia 434964 N/A N/A N/A
Wisconsin 4854403 N/A N/A N/A
Wyoming 179203 N/A N/A N/A
American Samoa 0 N/A N/A N/A
Guam 3997788 N/A N/A N/A
Northern Mariana Islands 0 N/A N/A N/A
Puerto Rico 1283046 N/A N/A N/A
Virgin Islands 1629124 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 small group 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
Small group market : All health insurance policies issued in the small group market (including fully insured State and local government policies).
N/A : Data not available.