[UCRDBR] 2024 Optum Health Insurance Premium Rebate Letter for Medical Loss Ratio

[Departmental Benefits Representatives]

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October 21, 2025

To:
Department Benefits Representatives (DBRs)

From:
Central HR Benefits Office on behalf of UC Office of the President
Re:
2024 Optum Health Insurance Premium Rebate Letter for Medical Loss Ratio
____________________________________________________________________________________________________
DBRs, please share this information via your internal listserv.  Do not reply to this email.  Please send a separate email with questions to benefits at ucr.edu<mailto:benefits at ucr.edu>.

On September 24, 2025, the U.S. Behavioral Health Plan, California, operating under Optum Behavioral Health and an affiliate of UnitedHealthcare, sent the 2024 Notice of Health Insurance Premium Rebate to Kaiser Permanente CA HMO non-Medicare plan subscribers who had Optum Behavioral Health (Group 11280) benefits coverage in 2024.
Samples of the notice and FAQ are available on UCnet - Affordable Care Act<https://ucnet.universityofcalifornia.edu/benefits/understanding-your-benefits/details-about-your-benefits/affordable-care-act/>. Additional information can also be found by visiting UnitedHealthcare on MLR premium Rebate<https://www.uhc.com/agents-brokers/employer-sponsored-plans/news-strategies/uhc-will-begin-mailing-mlr-premium-rebate-checks-impacted-groups-september>.
Under the Affordable Care Act (ACA), insurance companies must spend a minimum percentage of premium dollars on health care services. If they do not meet this threshold, the excess must be rebated to the employer, and plan members must be notified. The Medical Loss Ratio (MLR) is calculated across all Optum plans within the state-not based solely on UC member utilization.
Details regarding the rebate for UC membership are as follows:

  *   Subscriber count: pending
  *   Total rebate amount: $896,550.62
As in previous years, UC has elected to apply the member portion of the 2024 Optum Behavioral Health MLR rebate to reduce future premium contributions. This will result in lower employee and retiree contributions for the Kaiser/Optum Behavioral Health overlay in 2026.

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