OSMA HEALTH - HEALTH PLAN (EIN 270093845) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

JACK J BELLER MD

Phone

4058439571

Tax Period

2025-01-01 to 2025-12-31

OSMA HEALTH - HEALTH PLAN, founded in 2004, is a mid-sized nonprofit in the Mutual Benefit sector that reported $20.5M in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year. Expenses of $22.7M exceeded revenue, resulting in a 11% operating deficit.

Mission

THE CORPORATION'S SPECIFIC PURPOSES ARE TO (1) ACT AS A SPONSOR OF A HEALTH BENEFIT PROGRAM AND ANY OTHER WELFARE BENEFIT PROGRAMS AS DIRECTED BY THE OSMA HOUSE OF DELEGATES AND/OR BOARD OF TRUSTEES; AND (2) ESTABLISH A TRUST(S) THROUGH WHICH THE HEALTH AND WELFARE BENEFIT PLANS WILL BE OFFERED.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $20,006,050

Investment Income $357,555

Other Revenue $126,265

TOTAL REVENUE $20,489,870

Expense Breakdown

Grants Paid $0

Salaries & Benefits $85,748

Fundraising Expenses $0

Other Expenses $4,732,948

TOTAL EXPENSES $22,694,377

Year-over-Year Comparison

	2025	2024	Change
Revenue	$20,489,870	$24,303,607	-0.2%
Expenses	$22,694,377	$24,088,561	-0.1%
Net Income	$-2,204,507	$215,046	-11.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$51,401

Total Directors

$85,748

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACK BELLER	PRESIDENT	15.00	Officer Director	$30,176	$0	$30,176
JOHN ROBINSON	TREASURER	2.00	Officer Director	$5,408	$0	$5,408
AUDRA HARDIN-LINCK	DIRECTOR	2.00	Director	$2,833	$0	$2,833
DIANE HEATON	DIRECTOR	2.00	Director	$3,225	$0	$3,225
DALE NEIKIRK	VICE PRESIDENT	2.00	Officer Director	$15,817	$0	$15,817
WILLIAM OEHLERT	DIRECTOR	2.00	Director	$4,688	$0	$4,688
LEE SCHOEFFLER	DIRECTOR	2.00	Director	$4,535	$0	$4,535
BASEL HASSOUN	DIRECTOR	2.00	Director	$2,125	$0	$2,125
DANA STONE	DIRECTOR	2.00	Director	$8,475	$0	$8,475
DARYLE VOSS	DIRECTOR	2.00	Director	$4,875	$0	$4,875
GREG RATLIFF	DIRECTOR	2.00	Director	$3,591	$0	$3,591
WES GLINSMANN	EX-OFFICIO ADVISOR	2.00	Director	$0	$0	$0
DR JULIE STREBEL	EX-OFFICIO ADVISOR	2.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$20,489,870	$22,694,377	$7,918,023	$-2,204,507
2024	$24,303,607	$24,088,561	$9,666,644	$215,046
2023	$18,612,542	$21,889,129	$10,424,113	$-3,276,587
2022	$14,551,429	$14,554,181	$11,959,151	$-2,752
2021	$13,362,437	$13,636,535	$12,168,080	$-274,098
2020	$15,021,770	$14,310,099	$11,962,952	$711,671
2019	$12,248,398	$10,284,566	$11,459,751	$1,963,832
2018	$10,760,422	$9,040,068	$8,998,054	$1,720,354

OSMA HEALTH - HEALTH PLAN