Major Rating Factors: Fair quality investment portfolio (3.1 on a scale of 0 to 10). Good overall profitability index (5.2). Strong capitalization (10.0) based on excellent current risk-adjusted capital (severe loss scenario).
Other Rating Factors: Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business: Comp med (47.3%), Medicare (38.7%), FEHB (6.1%), med supp (4.2%), other (1.7%), dental (1.6%), vision (0.3%)
Licensed in: MI
Principal Enrollment Breakdown: Other (60.5%), PPO (35.8%), Indemnity (3.7%)