E
Western Health Advantage
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 (1.2 on a scale of 0 to 10) with operating losses during 2020, 2021 and 2022. Weak capitalization index (0.0) based on weak current risk-adjusted capital (severe loss scenario). Fair overall results on stability tests (3.8) based on poor risk diversification due to the company's size.
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 ($)
510
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
(916) 563-2250
NAIC Number
--
Largest Affiliates
No affiliate information available.