Elite Health Systems is an early-stage Medicare Advantage (MA) insurer operating in Southern California through two subsidiaries. Elite Health Plan, the core business, launched in January 2026 and offers MA plans — private managed care alternatives to Original Medicare — in Los Angeles, Riverside, and San Bernardino counties. CMS pays Elite Health a fixed monthly premium per enrolled member, and Elite Health covers that member's healthcare costs through its contracted provider network, keeping the difference. Profitability depends on membership growth, accurate risk adjustment documentation, and managing medical costs below CMS reimbursement. The company's second subsidiary, Physician Support Systems (PSS), was acquired in late 2025 and provides operational, HR, compliance, and IT support to medical practices — functioning largely as a staffing and managed services business for physician groups, and supporting Elite Health's own MA operations. Elite Health is targeting seniors through a localized provider network, positioning itself as a community-focused alternative to large national insurers, and argues local physicians may prefer its simpler administrative processes. The company has filed a 2027 application with CMS to offer Chronic Condition Special Needs Plans (C-SNPs) — specialized MA plans for members with conditions like diabetes and heart disease — which support stronger risk adjustment revenue. Longer-term, Elite Health plans to expand geographically into other California counties and potentially Nevada, and is considering acquiring physician groups to better control care delivery.