D
Keystone Hlth Plan Central 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: Weak profitability index (1.4 on a scale of 0 to 10) with 16.1 million in losses in the last three years. Average return on equity over the last five years has been poor at -11.6%. Fair overall results on stability tests (4.7). Rating is significantly influenced by the acceptable financial results of Capital Blue Cross Inc. Excellent capitalization (9.3) based on excellent current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2021.
Other Rating Factors: Excellent quality investment portfolio (7.8) containing small junk bond exposure. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: PA
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
658
Provider Compensation ($000)
Capitation Pay
Fee For Service
0
Contractual Pay
Salary
0
Bonus
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Capital Blue Cross Inc
Investment Rating
--
Company Address
2500 Elmerton Avenue
Harrisburg, PA 17177
Phone Number
(717) 541-7000
NAIC Number
95199
Largest Affiliates
C
Harrisburg, PA - Health
C
Harrisburg, PA - Health
C
Harrisburg, PA - Health
D
Harrisburg, PA - Health
D
Harrisburg, PA - Health