# Commercial Insurer MLR: current read surface (financials joined to issuer identity)

`insurer_silver.vw_insurer_mlr_current` · Insurer negotiated rates · status live · 18,818 rows

The semantic read surface over fact_insurer_mlr: the highest cms_vintage_sequence per (business_year, submission, market), joined to dim_insurer_mlr_identity, with derived loss_ratio, retention, PMPMs, the re-bought (admin, broker, sales, claims adjustment, cost containment, QI) and harvested (taxes, fees) splits and the underwriting-margin residual. Defined in ops/sql/vw_insurer_mlr_current.sql.

**Grain.** One row per (business_year, market, issuer submission) of the current vintage, with carrier group, name, EIN, HIOS id and business state; Grand Total rollup rows excluded. 18,818 rows RY2017-2024 (Athena c0257f5f, 2026-10-13).

| column | type | meaning |
|---|---|---|
| business_year | int |  |
| market | string |  |
| carrier_group | string |  |
| carrier_name | string |  |
| carrier_ein | string |  |
| hios_issuer_id | string |  |
| state | string |  |
| issuer_identity_key | string |  |
| native_issuer_code | string |  |
| identity_row_locator | string |  |
| premium_earned | double |  |
| incurred_claims | double |  |
| member_months | double |  |
| retention | double |  |
| retention_pct | double |  |
| loss_ratio | double |  |
| premium_pmpm | double |  |
| retention_pmpm | double |  |
| admin_general | double |  |
| broker_commissions | double |  |
| direct_sales_salaries | double |  |
| claims_adjustment | double |  |
| cost_containment | double |  |
| quality_improvement | double |  |
| rebought_total | double |  |
| state_premium_tax | double |  |
| state_income_excise_tax | double |  |
| federal_income_tax | double |  |
| other_federal_taxes | double |  |
| employment_taxes | double |  |
| regulatory_licenses_fees | double |  |
| taxes_other_5_5a | double |  |
| pcori_fee | double |  |
| taxes_total | double |  |
| underwriting_margin | double |  |
| rx_drugs | double |  |
| pharma_rebates | double |  |
| cms_vintage_sequence | int |  |
| asserted_at | date |  |
| source_url | string |  |
| sha256_content_hash | string |  |
| source_row_locators | string |  |

Query it: `query_substrate` with `SELECT ... FROM insurer_silver.vw_insurer_mlr_current WHERE ... LIMIT 100`; read `describe_data_source("insurer_silver.vw_insurer_mlr_current")` first.