B
Unitedhealthcare the Rockies
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 profitability index (3.6 on a scale of 0 to 10) with operating losses during 2021. Return on equity has been low, averaging 1.4% over the last five years. Good overall results on stability tests (5.6) despite excessive capital growth during 2023. Rating is significantly influenced by the strong financial results of UnitedHealth Group Incorporated. Excellent capitalization (7.8) based on excellent current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2022.
Other Rating Factors: Excellent liquidity (7.0) with ample operational cash flow and liquid investments. Weak quality investment portfolio (1.2).
Principal Lines of Business: --
Licensed in: ID, NV, UT
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
954
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
9800 Health Care Lane
Minnetonka, MN 55343
Phone Number
(952) 979-6160
NAIC Number
95685
Largest Affiliates
A
Minnetonka, MN - Health
A
Las Vegas, NV - Health
A
Milwaukee, WI - Health
B
Minnetonka, MN - Health
A
Minnetonka, MN - Health