E
Western Health Advantage
Rating Date
April 2025
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 (0.9 on a scale of 0 to 10) with operating losses during 2018, 2020, 2021 and 2022. Weak capitalization index (0.0) based on weak current risk-adjusted capital (severe loss scenario). Weak overall results on stability tests (1.7) based on an overall decline in enrollment over the past five years despite growth in 2021.
Other Rating Factors: Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business: --
Licensed in: CA
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
--
Fee For Service
--
Contractual Pay
--
Salary
--
Bonus
--
Other
--
Member Physicians
--
Enrollment
Total Patient Encounters
Physician
--
Non-Physician
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
2349 Gateway Oaks Drive
Sacramento, CA 95833
Phone Number
(888) 227-5942
NAIC Number
--
Largest Affiliates
No affiliate information available.