8057969d_lueShield___Health_Care_Reform__Definition
[Topic] Medical Loss Ratio (MLR) [Definition] 
The minimum percentage of premium dollars a commercial insurance company must spend on the reimbursement of certain medical costs. The health reform law requires insurers in the large group market to have an MLR of 85 percent and insurers in the small group and individual markets to have an MLR of 80 percent (with some waivers granted to states to reduce the threshold for certain markets).
Excellus BlueCross BlueShield | Health Care Reform
Definition