No, most policyholders do not get MLR rebates. This is because most people are covered by health plans that meet the MLR rules or that are self-insured and, thus, not subject to MLR rules. In 2021, when total MLR rebates hit a record high of nearly $2.5 billion, there were still only a total of just over 11 million people who received rebates, amounting to about 3% of the U.S. population.