B
UnitedHealthcare of AL Inc
Rating Date
January 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Health
Premiums
Net
Income
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Major Rating Factors: Fair quality investment portfolio (3.8 on a scale of 0 to 10). Good overall profitability index (6.8) despite modest operating losses during 2019. Excellent capitalization (10.0) based on excellent current risk-adjusted capital (severe loss scenario) reflecting significant improvement over results in 2021.
Other Rating Factors: Excellent liquidity (10.0) with ample operational cash flow and liquid investments. Weak overall results on stability tests (0.9) based on a significant -25% decrease in enrollment during the period, a steep decline in capital during 2023. Rating is significantly influenced by the strong financial results of UnitedHealth Group Incorporated.
Principal Lines of Business: --
Licensed in: AL
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
192
Provider Compensation ($000)
Capitation Pay
81
Fee For Service
0
Contractual Pay
Salary
0
Bonus
697
Other
--
Member Physicians
Enrollment
683
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
UnitedHealth Group Incorporated
Investment Rating
UNH
Company Address
22 Inverness Center Parkway
Birmingham, AL 35242
Phone Number
(251) 461-4266
NAIC Number
95784
Largest Affiliates
A
Minnetonka, MN - Health
A
Las Vegas, NV - Health
A
Milwaukee, WI - Health
B
Minnetonka, MN - Health
A
Minnetonka, MN - Health