B
Essence Healthcare 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 capitalization (5.9 on a scale of 0 to 10) based on good current risk-adjusted capital (severe loss scenario). Excellent quality investment portfolio (9.9) containing small junk bond exposure. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Weak profitability index (0.9) with operating losses during 2022 and 2023. Weak overall results on stability tests (2.8) in spite of healthy premium and capital growth during 2023. Rating is significantly influenced by the strong financial results of Jdlinx Llc.
Principal Lines of Business: --
Licensed in: AR, IL, IN, MO
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
252
Fee For Service
0
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Jdlinx Llc
Investment Rating
--
Company Address
13900 Riverport Drive
Maryland Heights, MO 63043
Phone Number
(866) 509-5398
NAIC Number
17254
Largest Affiliates
B
Maryland Heights, MO - Health
B
Maryland Heights, MO - Health
B
Maryland Heights, MO - Health