{
  "name": "insurer-mlr-mcp",
  "title": "HealthMesh · Insurer Medical Loss Ratio (CMS MLR PUF) MCP",
  "version": "0.1.2",
  "description": "Health insurer Medical Loss Ratio (MLR) filings from the CMS MLR public use files, reporting years 2020-2024: per issuer, state and market (individual, small group, large group, student health) earned premium, adjusted incurred claims, quality improvement expenses, taxes and fees, member-years, the regulatory 3-year MLR (preliminary and credibility-adjusted) against the MLR standard, and rebates owed to consumers with the number of subscribers rebated. Issuer lookup, rebate rankings and state/market/year/holding-company summaries.",
  "healthmesh_domain": "Health Spending & Economics",
  "datasets": [
    "SPEND-04"
  ],
  "mcp_endpoint": "https://insurer-mlr.healthmesh.ai/mcp",
  "transport": "Streamable HTTP (stateless, JSON responses)",
  "authorization": "none",
  "auth_mode": "off",
  "docs": "https://github.com/HendrikK/healthmesh/tree/main/servers/insurer-mlr-mcp#readme",
  "contact": "hendrik.kleine@gmail.com",
  "data_source": {
    "name": "CMS CCIIO Medical Loss Ratio public use files, reporting years 2020-2024 (bundled slim extract)",
    "url": "https://www.cms.gov/marketplace/resources/data/medical-loss-ratio-data-systems-resources",
    "license": "U.S. Government work (public)",
    "refresh": "Bundled; weekly GitHub Actions check for a new MLR public use file"
  },
  "tools": [
    {
      "name": "mlr_get_issuer",
      "title": "Get an insurer's MLR filings",
      "description": "Returns an insurer's Medical Loss Ratio filings by state and market for a reporting year (or all bundled years 2020-2024): earned premium, incurred claims, quality improvement expenses, taxes and fees, member-years, 3-year and credibility-adjusted MLR vs the MLR standard, and rebate owed. issuer_name matches the legal company name, marketing name or holding-company name (e.g. 'Oscar', 'Aetna Life', 'Kaiser'), or a 5-digit NAIC company code / HIOS issuer id."
    },
    {
      "name": "mlr_list_rebates",
      "title": "List MLR rebates owed",
      "description": "Lists insurers that owe Medical Loss Ratio rebates in a reporting year, largest first, by state and market, with the credibility-adjusted MLR, the standard, the rebate amount and the number of subscribers rebated, plus totals across all matching filings."
    },
    {
      "name": "mlr_market_summary",
      "title": "Summarize MLR filings by state, market, year or holding company",
      "description": "Aggregates MLR filings: earned premium, incurred claims, quality improvement expense, member-years, premium-weighted single-year and 3-year MLR, and total rebates (with filings owing rebates), grouped by state, market, year, holding company or issuer, with optional state/market/year filters."
    },
    {
      "name": "mlr_describe_dataset",
      "title": "Describe the MLR dataset",
      "description": "Describes the bundled CMS Medical Loss Ratio public use file extract: reporting years, filing counts, fields and their MLR Form line numbers, markets and refresh schedule."
    }
  ]
}