Mtn States Hlthcr Recpl RRG
Major Rating Factors:
Poor long-term capitalization index (0.3 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range over the last two years. A history of deficient reserves (1.5) that places pressure on both capital and profits. In 2024 and 2025 the one year reserve development was 55.0% and 73.1% deficient respectively. Weak profitability index (2.5) with operating losses during 2021, 2022, 2024 and 2025.
Other Rating Factors:
Vulnerable liquidity (2.5) as a spike in claims may stretch capacity. Weak overall results on stability tests (0.0) including weak risk adjusted capital in prior years and negative cash flow from operations for 2025. The largest net exposure for one risk is excessive at 58.9% of capital.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Med mal (97.0%), other (3.0%)
Licensed in:
MT
Principal Investments:
Investment grade bonds (72.1%), cash (15.8%), common stock (12.1%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
38 Eastwood Drive
South Burlington, VT 05403
South Burlington, VT 05403
Phone Number
(802) 658-9466
NAIC Number
11585
Website
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