C
AR Health & Wellness Hlth Plan
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 (0.6 on a scale of 0 to 10) with operating losses during 2019, 2020, 2021 and 2023. Average return on equity over the last five years has been poor at -27.0%. Weak quality investment portfolio (2.5). Weak overall results on stability tests (2.0) based on a significant -29% decrease in enrollment during the period, an inordinate decline in premium revenue in 2023 and a steep decline in capital during 2023. Rating is significantly influenced by the strong financial results of Centene Corporation.
Other Rating Factors: Excellent capitalization (7.7) based on excellent current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2021. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business: --
Licensed in: AR, TN
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
993
Provider Compensation ($000)
Capitation Pay
Fee For Service
0
Contractual Pay
Salary
Bonus
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Centene Corporation
Investment Rating
CNC
Company Address
7700 Forsyth Boulevard
Saint Louis, MO 63105
Phone Number
(314) 725-4477
NAIC Number
16130
Largest Affiliates
C
Saint Louis, MO - Health
B
Saint Louis, MO - Health
C
Chicago, IL - Health
B
Saint Louis, MO - Health
B
Saint Louis, MO - Health