A Saratoga Springs, N.Y., businessman was accused of defrauding insureds, an insurer and New York State by enrolling at least eight ineligible business owners in a state health program and pocketing the service fees they paid him.

Citing negative capital and surplus levels for two of its insurance companies in the third quarter 2009, A.M. Best has downgraded the ratings of MVP Health Care, Inc.’s insurance subsidiaries.