D
Vibra 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 (0.9 on a scale of 0 to 10) due to a decline in earnings during 2023. Average return on equity over the last five years has been extremely poor. Weak quality investment portfolio (0.2) containing no exposure to mortgages, junk bonds, or unaffiliated stocks. Fair overall results on stability tests (3.5) based on a significant -100% decrease in enrollment during the period, a decline in the number of member physicians during 2023. Rating is significantly influenced by the acceptable financial results of Capital Blue Cross Inc.
Other Rating Factors: Excellent capitalization (10.0) based on excellent current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2021. Excellent liquidity (10.0) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: PA
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
--
Provider Compensation ($000)
Capitation Pay
171
Fee For Service
0
Contractual Pay
Salary
0
Bonus
Other
--
Member Physicians
0
Enrollment
0
Total Patient Encounters
Physician
0
Non-Physician
0
Corporate Info
Group Affiliation
Capital Blue Cross Inc
Investment Rating
--
Company Address
2500 Elmerton Avenue
Harrisburg, PA 17177
Phone Number
(717) 510-6200
NAIC Number
15793
Largest Affiliates
C
Harrisburg, PA - Health
C
Harrisburg, PA - Health
C
Harrisburg, PA - Health
D
Harrisburg, PA - Health
D
Harrisburg, PA - Health