B
CareFirst Advantage PPO 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: Good overall results on stability tests (6.8 on a scale of 0 to 10) based on healthy premium and capital growth during 2023. Rating is significantly influenced by the strong financial results of CareFirst Inc. Excellent overall capitalization (7.5) based on excellent current risk-adjusted capital (severe loss scenario). Excellent quality investment portfolio (9.9) containing little or no exposure to mortgages, junk bonds, or unaffiliated stocks.
Other Rating Factors: Excellent liquidity (7.4) with ample operational cash flow and liquid investments. Weak profitability index (0.9) with 0.0 million in losses in the last two years.
Principal Lines of Business: --
Licensed in: DC, MD
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
52
Fee For Service
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
CareFirst Inc
Investment Rating
--
Company Address
10455 Mill Run Circle
Owings Mills, MD 21117
Phone Number
(410) 581-3000
NAIC Number
16971
Largest Affiliates
A
Owings Mills, MD - Health
B
Owings Mills, MD - Health
B
Owings Mills, MD - Health
B
Owings Mills, MD - Health
D
Owings Mills, MD - Health