{
  "tool_id": "art-344-compute-mlr-rebate",
  "kernel_id": "art-344-compute-mlr-rebate",
  "display_name": "MLR Rebate Calculator",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "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.",
  "control_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.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:cbfd7b14ca5eea94ba5e2f06b9b61ae2e75e52cb321068fd05eaad7b4969ee28",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-17",
  "last_validated": "2026-07-17",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 60,
  "source_url": "https://ainumbers.co/chaingraph/art-344-compute-mlr-rebate.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}