An XLSM (spreadsheet) file. From the instructions at the first page of the spreadsheet: "The 2014 MLR Annual Reporting Form does not automatically perform the MLR and rebate calculations. When a completed form is submitted, CMS' Health Insurance Oversight System (HIOS) will alert companies if their submitted values do not match HIOS calculated values. Companies may do the MLR and rebate calculations themselves, following the 2014 MLR Annual Reporting Form Filing Instructions.... Companies may also use this MLR Calculator file to perform and/or verify their MLR and rebate calculations for the 2014 MLR reporting year. " [Also available: MLR 2014 Annual Reporting Form (XLSX) and Risk Corridors 2014 Plan-Level Data Form (XLSX), both as submitted to OMB for approval.]