{
      "tool_id": "art-344-compute-mlr-rebate",
      "tool_version": "1.0.0",
      "display_name": "MLR Rebate Calculator",
      "mcp_name": "compute_mlr_rebate",
      "mandate_type": "compliance_mandate",
      "wave": 60,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-344-compute-mlr-rebate.html",
      "description": "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 (80% individual/small-group, 85% large-group), and applies the de minimis payment floor.",
      "input_schema_ref": "chaingraph/art-344-compute-mlr-rebate.html#manifest",
      "consumes": [],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:cbfd7b14ca5eea94ba5e2f06b9b61ae2e75e52cb321068fd05eaad7b4969ee28","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-17"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "MFzeYp9Mti2I9lKTDOuco49ciO7Rg3RWotYNmrCLIkcMCVC603I9A/q0oUve9QLKzYEahc+dFWlAioM2eQN6jQkwMGcQfNIzPAYjRV5WfdsjF8HqhshDHKZOibusDt4oBEjeoUeEOAtGItHN9R1T1Uqr5NSxMYVeBiihe60bA8gb3NEHUR1+rcVTjOKOaSYTVBpxZoL8v3QQefdLhyNL7yuiJtm/GlesKl8XriumyG4fpbPGnkhA7eh4zOPqZq0XB98vzTVSztWz37VxRaGfteIYX8oFqufB4NFNTVCMlI0vHG127y6x5Ft0/BszeQVdIJbLRJcZNGiZrcTHKwNowA==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:cbfd7b14ca5eea94ba5e2f06b9b61ae2e75e52cb321068fd05eaad7b4969ee28",
          "output": {
            "adjusted_earned_premium": 4800000,
            "adjusted_incurred_claims": 4260000,
            "constants_version": "2026",
            "credibility_adjustment_pct_points": 0,
            "credibility_tier": "fully_credible",
            "current_year_adjusted_mlr_pct": 88.75,
            "de_minimis": false,
            "market": "large_group",
            "member_life_years": 100000,
            "note": "Credibility-adjustment table is a REPRESENTATIVE linear taper, not the exact CMS deductible-banded schedule -- confirm the precise add-on against the current CMS MLR credibility-adjustment table before filing. De minimis check approximates per-enrollee rebate using member_life_years as the enrollee-count proxy.",
            "raw_mlr_pct": 88.75,
            "rebate_amount": 0,
            "rebate_owed": false,
            "rebate_pct_points": 0,
            "regulatory_basis": "45 CFR 158 (ACA Medical Loss Ratio rule): numerator/denominator 158.140-158.162, credibility adjustment 158.230-158.232, 3-year averaging 158.221, rebate calculation 158.240, de minimis 158.243.",
            "reporting_year": 2026,
            "three_yr_average_mlr_pct": 88.75,
            "threshold_pct": 85,
            "years_included_in_average": 1
          }
        }
      }
    }