Medical Loss Ratio Data -- MLR DataThe Center for Consumer Information & Insurance Oversight states the following: "The Affordable Care Act requires health insurance companies to disclose how much they spend on health care and how much they spend on administrative costs, such as salaries and marketing. If an insurance company spends less than 80% (85% in the large group market) of premium on medical care and efforts to improve the quality of care, they must refund the portion of premium that exceeded this limit. This rule is commonly known as the 80/20 rule or the Medical Loss Ratio (MLR) rule." Pre-Stata13 had a string length limit of 244 characters. Some files such as Part 4, Part 6, and Additional Responses 2 for some years have long strings ( > 244 characters ). They are saved in full length and length == 244 versions. CMS offers an MLR reports by State and Company Name searchable database and other helpful resources.
Contact Jean Roth jroth@nber.org with questions, comments, or suggestions.
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