B
UnitedHealthcare of CO 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 profitability index (3.1 on a scale of 0 to 10) due to a decline in earnings during 2023. Return on equity has been fair, averaging 5.8% over the last five years. Fair overall results on stability tests (4.7) based on a significant -17% decrease in enrollment during the period, a decline in the number of member physicians during 2023. Rating is significantly influenced by the strong financial results of UnitedHealth Group Incorporated. Excellent capitalization (9.7) based on excellent current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2021.
Other Rating Factors: Excellent liquidity (7.7) with ample operational cash flow and liquid investments. Weak quality investment portfolio (0.4) containing little or no exposure to mortgages, junk bonds, or unaffiliated stocks.
Principal Lines of Business: --
Licensed in: CO
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
323
Provider Compensation ($000)
Capitation Pay
290
Fee For Service
0
Contractual Pay
Salary
0
Bonus
442
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
UnitedHealth Group Incorporated
Investment Rating
UNH
Company Address
9800 Health Care Lane
Minnetonka, MN 55343
Phone Number
(952) 936-1300
NAIC Number
95090
Largest Affiliates
A
Minnetonka, MN - Health
A
Las Vegas, NV - Health
A
Milwaukee, WI - Health
B
Minnetonka, MN - Health
A
Minnetonka, MN - Health