E
Clever Care of Golden State
Rating Date
September 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 (0.4 on a scale of 0 to 10) with 87.9 million in losses in the last three years. Fair capitalization (4.4) based on fair current risk-adjusted capital (severe loss scenario). Fair overall results on stability tests (2.9) based on fair risk diversification due to the size of the company's affiliate group, an excessive 543% enrollment growth during the period.
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
7711 Center Ave.
Huntington Beach, CA 92647
Phone Number
(833) 388-8168
NAIC Number
--
Largest Affiliates
No affiliate information available.