C
AmeriHealth Caritas NH 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: Fair overall results on stability tests (4.5 on a scale of 0 to 10) based on rapid premium growth over the last five years, inordinate decline in capital during 2023 and rapid enrollment growth during the past five years. Rating is significantly influenced by the strong financial results of Independence Health Group Inc. Weak profitability index (0.9) with 11.5 million in losses in the last two years. Average return on equity over the last five years has been poor at -46.3%. Excellent capitalization index (7.2) based on excellent current risk-adjusted capital (severe loss scenario). However, risk-adjusted capital has reached as low as the weak level during recent years.
Other Rating Factors: Excellent quality investment portfolio (9.9) containing no exposure to mortgages, junk bonds, or unaffiliated stocks. Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: NH
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
389
Provider Compensation ($000)
Capitation Pay
Fee For Service
0
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Independence Health Group Inc
Investment Rating
--
Company Address
200 Steven Drive
Philadelphia, PA 19113
Phone Number
(215) 937-8000
NAIC Number
16496
Largest Affiliates
B
Philadelphia, PA - Health
B
Philadelphia, PA - Health
B
Philadelphia, PA - Health
C
Philadelphia, PA - Health
B
North Charleston, SC - Health