B
Hlth Frst Comm Plans Inc
Rating Date
September 2025
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 (4.2 on a scale of 0 to 10) with 8.1 million in losses in the current year. Fair overall results on stability tests (4.0) based on a significant -32% decrease in enrollment during the period, a steep decline in premium revenue in 2022 and inordinate decline in capital during 2022. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Excellent capitalization index (9.3) based on excellent current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels. Excellent quality investment portfolio (9.8) containing small junk bond exposure.
Principal Lines of Business: --
Licensed in: FL
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
846
Provider Compensation ($000)
Capitation Pay
32
Fee For Service
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Health First Inc
Investment Rating
--
Company Address
6450 US Highway One
Rockledge, FL 32955
Phone Number
(321) 434-5600
NAIC Number
16272
Largest Affiliates
C
Rockledge, FL - Health