[quote=no_such_reality]
It comes from UHG’s 10-K. It’s across all their business lines. The ACA law requires the 80% to be for health care claims and quality improvements.[/quote]
80% for individuals and small groups. 85% for large groups. Their overall MLR for all QHP is between the 2 since they sell in both markets. The 35% margin originally referenced included products other than qualified health plans.