---
title: "MLR Rebate Calculator"
method: POST
path: "/v1/tools/compute_mlr_rebate"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# MLR Rebate Calculator

`POST /v1/tools/compute_mlr_rebate`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_mlr_rebate`
- Auth: none declared

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.

**Tool URL:** https://ainumbers.co/chaingraph/art-344-compute-mlr-rebate.html

## Request body

- object
  - `earned_premium` number
  - `federal_taxes_fees` number
  - `incurred_claims` number
  - `market` unknown, required
  - `member_life_years` number
  - `prior_year_1_adjusted_mlr_pct` number: Percentage value
  - `prior_year_1_earned_premium` number
  - `prior_year_2_adjusted_mlr_pct` number: Percentage value
  - `prior_year_2_earned_premium` number
  - `quality_improvement_expenditures` number
  - `reinsurance_recoveries` number
  - `reporting_year` number
  - `risk_adjustment_net` number
  - `risk_corridors_net` number
  - `state_taxes_fees` number

## Response `200`

Successful tool execution result

- object
  - `adjusted_earned_premium` integer
  - `adjusted_incurred_claims` integer
  - `constants_version` string
  - `credibility_adjustment_pct_points` integer
  - `credibility_tier` string
  - `current_year_adjusted_mlr_pct` number
  - `de_minimis` boolean
  - `market` string
  - `member_life_years` integer
  - `note` string
  - `raw_mlr_pct` number
  - `rebate_amount` integer
  - `rebate_owed` boolean
  - `rebate_pct_points` integer
  - `regulatory_basis` string
  - `reporting_year` integer
  - `three_yr_average_mlr_pct` number
  - `threshold_pct` integer
  - `years_included_in_average` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)