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Financial stability can be independent of size. Small, well-managed health insurance companies are more financially stable than larger, highly leveraged health insurance companies.

Demotech, Inc. is the first company to review the financial stability of Health Maintenance Organizations (HMOs) and publish independent financial opinions. Since 1987, Demotech has continued to analyze the financial stability of the health insurance industry and will assign Financial Stability Ratings® to virtually all health insurers, largest to smallest.

Demotech reviews and assigns Financial Stability Ratings® to established health insurers as well as start-ups. The review of start-ups or insurers that have less than five years of representative historical operating history requires additional information be submitted for assignment of a Financial Stability Rating®.

Process for established Health Insurance Companies to be assigned a Financial Stability Rating®

Process for start-up Health insurers to be assigned a Financial Stability Rating®