Major Rating Factors:
                     Good quality investment portfolio (6.5 on a scale of 0 to 10) containing junk bond exposure equal to 98.1% of capital. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent profitability (7.6) despite a decline in earnings during 2022.
                
            
                    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 overall results on stability tests (8.0) based on consistent premium and capital growth in the last five years. Rating is significantly influenced by the strong financial results of Cambia Health Solutions Inc.                        
                
            
                    Principal Lines of Business:
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                    Licensed in:
                    ID, WA
                
            
                    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
                    
                Member Physicians
                    
                Enrollment
                    
                Total Patient Encounters
                Physician
                    
                Non-Physician
                    
                Corporate Info
    Group Affiliation
        Cambia Health Solutions Inc
    Investment Rating
        
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    Company Address
        
                
                     200 SW Market Street 
Portland, OR 97201
    Portland, OR 97201
Phone Number
        (503) 721-7189
    NAIC Number
          60131
    Website
        
    Largest Affiliates