Curative Insurance Company has announced that AM Best, a global credit rating agency focused on the insurance industry, has affirmed its A- (Excellent) Financial Strength Rating (FSR) and Long-Term Issuer Credit Rating (ICR) of “a-” for the third consecutive year. This affirmation reflects AM Best’s continued assessment of Curative’s financial position, including its risk-adjusted capitalization and support of its employer-based health plan.
According to AM Best, the FSR rating provides an independent opinion of an insurer’s ability to meet ongoing insurance obligations. An A- rating indicates a strong capacity to meet policyholder and contractual commitments, based on AM Best’s evaluation methodology. The “a-” Long-Term ICR similarly reflects AM Best’s view of the company’s ability to manage long-term financial responsibilities.
“We are pleased to maintain our A- rating from AM Best for another year,” said Tami Wilson-Ciranna, President and CFO of Curative. “This affirmation supports our efforts to maintain financial strength while pursuing an approach to health insurance that emphasizes transparency and cost-simplicity for members. As we continue to build our model, we believe this rating may help reinforce stakeholder confidence.”
Curative’s expansion in employer-based health insurance plans—featuring $0 copays, deductibles, and out-of-pocket costs for in-network services*—has contributed to its current growth trajectory. The company has also emphasized digital health tools such as the Curative Zero Card and PPO-Max offerings, which it identifies as part of its broader service strategy.
Curative introduced its employer-focused plan in 2023 and has gradually expanded access to organizations in multiple states. The company’s stated mission is to reduce financial barriers to care and promote early engagement through preventive health measures.
To learn more about Curative Insurance Company, its employer-based health coverage options, and related features, visit https://curative.com.
* Every Curative member qualifies for the $0 deductible, $0 copay for in-network care and preferred prescriptions by completing a Baseline Visit within 120 days of the plan effective date.
About AM Best
AM Best is a global credit rating agency that specializes in the insurance industry. Headquartered in the United States, AM Best operates in over 100 countries and provides financial strength and issuer credit ratings to insurance carriers worldwide. For more information, visit www.ambest.com.
About Curative
Curative is a health insurance provider offering an employer-based plan that integrates a fixed monthly premium with limited additional costs for in-network services. Its mission is to support better access to care by reducing financial complexity and promoting member engagement through preventive health initiatives. The company draws on operational experience from previous public health work, including national COVID-19 testing efforts, as it expands into the health insurance sector.
To learn more about Curative, visit https://curative.com or follow the company on Facebook, Instagram, X, or LinkedIn.
Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or insurance advice. Any statements about financial ratings or insurance plan features are based on publicly available data and may be subject to change. Readers should consult with licensed insurance professionals or directly with the issuer for detailed plan information.
