D
Sidecar Health Ins Co
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 (0.0 on a scale of 0 to 10) with operating losses during 2021, 2022 and 2023. Weak overall results on stability tests (2.2) based on excessive premium growth during 2023, poor risk diversification due to the company's size and an excessive 287% enrollment growth during the period. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Excellent overall capitalization (7.5) based on excellent current risk-adjusted capital (severe loss scenario). Excellent quality investment portfolio (9.1) containing small junk bond exposure.
Principal Lines of Business: --
Licensed in: AL, FL, GA, OH
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
339
Provider Compensation ($000)
Capitation Pay
0
Fee For Service
Contractual Pay
0
Salary
0
Bonus
0
Other
--
Member Physicians
0
Enrollment
Total Patient Encounters
Physician
0
Non-Physician
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
2381 Rosecrans Ave
El Segundo, CA 90245
Phone Number
(424) 666-2815
NAIC Number
17104
Largest Affiliates
No affiliate information available.