OpenChainGraph Suite · ART-344 · US Health Insurance Compliance

MLR Rebate Calculator

Medical Loss Ratio numerator/denominator, credibility-adjustment tier, 3-year premium-weighted averaging, and rebate math per 45 CFR 158 (ACA MLR rule). Classifies member life-years into non-credible / partially-credible / fully-credible bands, computes the current-year adjusted MLR and the 3-year average against the market threshold, and applies the de minimis payment floor.

45 CFR 158 Credibility-Adjusted 3-Year Averaging Individual · Small Group · Large Group
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Market & Reporting Year
Premium & Claims (Current Year)
Positive = net receivable (adds to claims); negative = net payable.
<1,000 non-credible · 1,000–74,999 partially credible · ≥75,000 fully credible.
Prior Years (3-Year Averaging, Optional)
MLR & Rebate Detail
Execution Hash (SHA-256)







  

    
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Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `compute_mlr_rebate`. Task: Medical Loss Ratio numerator/denominator, credibility-adjustment tier, 3-year premium-weighted averaging, and rebate math per 45 CFR 158 (ACA MLR rule).
Call it with arguments: {"policy_parameters":{"market":"large_group","reporting_year":2026,"earned_premium":5000000,"federal_taxes_fees":150000,"state_taxes_fees":50000,"incurred_claims":4200000,"quality_improvement_expenditures":60000,"reinsurance_recoveries":0,"risk_adjustment_net":0,"risk_corridors_net":0,"member_life_years":100000,"prior_year_1_adjusted_mlr_pct":null,"prior_year_1_earned_premium":0,"prior_year_2_adjusted_mlr_pct":null,"prior_year_2_earned_premium":0}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-344-compute-mlr-rebate.html#p=v1.H4sIAAAAAAAA_wGuAVH-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