B
Emphesys Ins Co
Rating Date
January 2026
NAIC
Classification
Health
Risk Adjusted
Capital Ratio #1
3.65
Risk Adjusted
Capital Ratio #2
3.04
Total
Assets
86.23M
Capital
58.29M
Health
Premiums
168.32M
Net
Income
17.05M
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Weiss Ratings Emphesys Ins Co
Louisville, KY 		Click to
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Rating B
Capitalization Index 10.00
Investment Safety Index 9.87
Liquidity Index 7.07
Profitability Index 1.13
Reserve Adequacy Index --
Stability Index 6.13
Company Info Emphesys Ins Co
Louisville, KY 		Click to
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Industry Health
NAIC Number 88595
Phone Number (502) 580-1000
Website --
Address 500 West Main Street Louisville, KY 40202
Balance Sheet Emphesys Ins Co
Louisville, KY 		Click to
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Total Assets 86.23M
Capital and Reserves Emphesys Ins Co
Louisville, KY 		Click to
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Risk-Adjusted Capital Ratio #1 3.65
Risk-Adjusted Capital Ratio #2 3.04
1-Year Reserve Development --
2-Year Reserve Development --
Capital 58.29M
Premium to Surplus --
Reserves to Surplus --
Investments Emphesys Ins Co
Louisville, KY 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Emphesys Ins Co
Louisville, KY 		Click to
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Medical Loss Ratio 89.47%
Cash From Underwriting --
Combined Ratio --
Expense Ratio --
Loss Ratio --
Net Premium Growth --
Other Medical Emphesys Ins Co
Louisville, KY 		Click to
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Bonus Pay 0.00
Capitation Pay 0.00
Contractual Pay 144.72K
Enrollment 15.89K
Fee For Service 2.97K
Medical Expense Per Member Per Month $854.00
Network Physicians 593.18K
Other Pay --
Salary Pay 195.00
Total Patient Encounters - Physician 335.33K
Total Patient Encounters-Non-Physician 172.41K
Profitability Emphesys Ins Co
Louisville, KY 		Click to
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Net Income 17.05M
Net Premium 168.32M
Health Premium 168.32M