B
UnitedHealthcare of NC 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 overall results on stability tests (3.6 on a scale of 0 to 10) based on rapid premium growth over the last five years, a decline in the number of member physicians during 2023 and rapid enrollment growth during the past five years. Rating is significantly influenced by the strong financial results of UnitedHealth Group Incorporated. Good overall profitability index (6.6) despite a decline in earnings during 2023. Good quality investment portfolio (5.0) containing junk bond exposure equal to 96.7% of capital.
Other Rating Factors: Excellent overall capitalization (9.5) based on excellent current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business: --
Licensed in: NC
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
336
Provider Compensation ($000)
Capitation Pay
Fee For Service
Contractual Pay
Salary
0
Bonus
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
UnitedHealth Group Incorporated
Investment Rating
UNH
Company Address
3803 North Elm Street
Greensboro, NC 27455
Phone Number
(336) 282-0900
NAIC Number
95103
Largest Affiliates
A
Minnetonka, MN - Health
A
Las Vegas, NV - Health
A
Milwaukee, WI - Health
B
Minnetonka, MN - Health
A
Minnetonka, MN - Health