D
Curative Ins Co
AustinTX
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 (0.9 on a scale of 0 to 10) with 0.0 million in losses in the last two years. Weak overall results on stability tests (2.8) in spite of healthy premium and capital growth during 2023 but an excessive 6,549% enrollment growth during the period. Excellent overall capitalization (10.0) based on excellent current risk-adjusted capital (severe loss scenario).
Other Rating Factors: Excellent quality investment portfolio (9.9) containing small junk bond exposure. Excellent liquidity (9.6) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: AZ, FL, LA, MD, MT, NC, OK, TX
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
427
Provider Compensation ($000)
Capitation Pay
0
Fee For Service
243
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Curative Inc
Investment Rating
--
Company Address
900 Congress Ave
Austin, TX 78701
Phone Number
(855) 428-7284
NAIC Number
17331
Largest Affiliates
U
Orland Park, IL - Health