---
title: "Financial Health"
canonical: "/financial-health"
published: 2026-09-29
---

# Financial Health

## Financial Health

### STRATEGY

### 2026

Financial Health metrics

Combined ratio

(Commercial and FMG) AIP 40%

98.5%

99%

98.75%

98.1%

actual

98.3%

3-yr rolling average

Combined ratio

(Government Programs; excluding National Collaborative contracts)

101%

100%

99%

102.1%

actual

Meet SLAs and PGs

(Commercial only) AIP 15%

98%

98.5%

99%

99.97%

Risk-based capital

No less
than 6x

IN
11.7

OH
12.8

MI
9.5

Results through Aug. 31

FINANCIAL HEALTH

### Definitions

Click the words below to see their definitions and better understand the terminology above.

**Combined ratio**

**Meet SLAs and PGs**

**Risk-based capital**

Total expenses divided by gross premiums. The lower the percentage the better.

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