HEALTH REPULIC INSURANCE COMPANY (EIN 453261827) - 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

2011

Legal Domicile

Principal Officer

Dawn Bonder

Phone

9712321247

Tax Period

2022-01-01 to 2022-12-31

HEALTH REPULIC INSURANCE COMPANY, founded in 2011, is a micro nonprofit that reported $1 in total revenue in fiscal year 2022. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $154K exceeded revenue, resulting in a 15396400% operating deficit.

Mission

To create and operate consumer operated and oriented plan co-op as qualified nonprofit health insurer under section 1322 of the Affordable Care Act.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1

Other Revenue $0

TOTAL REVENUE $1

Expense Breakdown

Grants Paid $127,711

Salaries & Benefits $12,000

Fundraising Expenses $0

Program Expenses $0

Other Expenses $14,254

TOTAL EXPENSES $153,965

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1	$193,335	-1.0%
Expenses	$153,965	$21,671,544	-1.0%
Net Income	$-153,964	$-21,478,209	-1.0%

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

N/A

Independent Members

N/A

Employees

N/A

Volunteers

N/A

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

$12,000

Total Directors

$12,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dawn Bonder	Chief Executive Officer	0.50	Officer Director	$5,000	$0	$5,000
Janice Finley	Chief Financial Officer	0.70	Officer Director	$7,000	$0	$7,000

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
2022	$1	$153,965	No data	$-153,964
2021	$193,335	$21,671,544	$160,041	$-21,478,209
2020	$12,906,401	$80,770	$21,622,701	$12,825,631
2018	$18,310	$276,745	$3,426,759	$-258,435

HEALTH REPULIC INSURANCE COMPANY