Medical Loss Ratio Rebates Fall Update

Federal law requires that we spend a certain percentage of fully insured plan premiums on medical care. If we spend less during the three-year lookback period, we refund that money back to our customers.

For the 2020 tax year, both Optima Health and Virginia Premier Individual & Family Plan subscribers who paid premiums in 2020 will receive rebate checks from us.

If you were covered by one of our fully insured regulatory large groups and received a notification from Optima Health, we issued the rebate checks to your employer. Please contact your employer if you have questions about your portion of the refund.

Questions? View our Member Frequently Asked Questions

For Individual & Family Plan Members

Resources for Filing Your Annual Income Tax Return

When you are ready to file your tax return in and want to learn more about the rebate you received and how it may affect your tax filing, you can find information below about the Medical Loss Ratio (MLR) rebates and if they are taxable, or not.

Help with Filing your Return

You may be able to get help and file your federal—and in some cases state—taxes for free. Visit to learn about the program and browse offers from a wide selection of reputable companies.

Disclaimer: Optima Health is not affiliated with any of the above companies or websites and is providing this information strictly for informational purposes.