B
Santa Barbara San Luis Obispo
Rating Date
January 2026
NAIC
Classification
Health
Risk Adjusted
Capital Ratio #1
5.55
Risk Adjusted
Capital Ratio #2
3.45
Total
Assets
4.34M
Capital
285.11M
Health
Premiums
1.39B
Net
Income
72.38M
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Major Rating Factors: Good overall profitability index (6.2 on a scale of 0 to 10) despite operating losses during 2019, 2020 and 2021. Good overall results on stability tests (6.0) despite excessive capital growth during 2023. Excellent overall capitalization (10.0) based on excellent current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels.
Other Rating Factors: Excellent liquidity (8.0) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: CA
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
76.50%
Medical Expense
Per Member Per Month ($)
382
Provider Compensation ($000)
Capitation Pay
--
Fee For Service
--
Contractual Pay
--
Salary
--
Bonus
--
Other
--
Member Physicians
--
Enrollment
226,123
Total Patient Encounters
Physician
--
Non-Physician
0
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
4050 Calle Real
Santa Barbara, CA 93110
Phone Number
(805) 685-9525
NAIC Number
--
Website
http://www.cencalhealth.org
Largest Affiliates
No affiliate information available.