E
South Dakota State Med Hldg Co
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: Weak profitability index (0.3 on a scale of 0 to 10) with operating losses during 2022 and 2023. Return on equity has been low, averaging 3.6% over the last five years. Weak capitalization index (2.3) based on weak current risk-adjusted capital (severe loss scenario). Furthermore, this low level of risk-adjusted capital has been consistent in previous years. Excellent quality investment portfolio (9.2).
Other Rating Factors: Excellent liquidity (7.7) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: SD
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
0
Fee For Service
429
Contractual Pay
314
Salary
0
Bonus
0
Other
--
Member Physicians
0
Enrollment
0
Total Patient Encounters
Physician
0
Non-Physician
6
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
5300 South Broadband Lane
Sioux Falls, SD 57108
Phone Number
(605) 334-4000
NAIC Number
96598
Largest Affiliates
No affiliate information available.