Major Rating Factors: Fair profitability index (3.5 on a scale of 0 to 10). Fair quality investment portfolio (3.6). Good liquidity (5.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Strong capitalization (8.0) based on excellent current risk-adjusted capital (severe loss scenario).
Principal Lines of Business: Comp med (96.8%), dental (1.9%), other (1.3%)
Licensed in: ID, MT, OR, WA
Principal Enrollment Breakdown: PPO (100.0%)