D
AllCare Health Plan Inc
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 (0.8 on a scale of 0 to 10) with operating losses during 2021, 2022 and 2023. Average return on equity over the last five years has been poor at -8.0%. Weak capitalization index (0.0) based on weak current risk-adjusted capital (severe loss scenario). Weak overall results on stability tests (1.4) in spite of steady enrollment growth, averaging 10% over the past five years. Potentially strong support from affiliation with AllCare Health Inc.
Other Rating Factors: Weak liquidity (0.1) as a spike in claims may stretch capacity. Excellent quality investment portfolio (9.9) containing small junk bond exposure.
Principal Lines of Business: --
Licensed in: OR
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
37
Fee For Service
Contractual Pay
Salary
0
Bonus
65
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
AllCare Health Inc
Investment Rating
--
Company Address
1701 Northeast Seventh Street
Grants Pass, OR 97526
Phone Number
(541) 471-4106
NAIC Number
12253
Largest Affiliates
C
Grants Pass, OR - Health