Major Rating Factors:
Good quality investment portfolio (5.5 on a scale of 0 to 10) containing junk bond exposure equal to 55.3% of capital. Fair overall results on stability tests (4.2) based on inconsistent enrollment growth in the past five years due to declines in 2020 and 2021. Excellent profitability (8.1) despite a decline in earnings during 2023.
Other Rating Factors:
Excellent overall capitalization (10.0) based on excellent current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels. Excellent liquidity (7.4) with ample operational cash flow and liquid investments.
Principal Lines of Business:
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Licensed in:
ID, UT
Principal Enrollment Breakdown:
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Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
Fee For Service
Contractual Pay
Salary
Bonus
Other
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Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Educators Mutual Ins Association
Investment Rating
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Company Address
5101 South Commerce Drive
Murray, UT 84107
Murray, UT 84107
Phone Number
(801) 262-7476
NAIC Number
81701
Website
Largest Affiliates