San Diegans for Health Care Coverage (EIN 470846723) - 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

2002

Legal Domicile

Phone

6192310333

Tax Period

2024-07-01 to 2025-06-30

San Diegans for Health Care Coverage, founded in 2002, is a small nonprofit in the Health Care sector that reported $456K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $559K exceeded revenue, resulting in a 23% operating deficit.

Mission

Promote Access to Health Care For All San Diegans

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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 (2024)

Revenue Breakdown

Contributions & Grants $443,018

Program Service Revenue $0

Investment Income $13,201

Other Revenue $0

TOTAL REVENUE $456,219

Expense Breakdown

Grants Paid $0

Salaries & Benefits $397,798

Fundraising Expenses $0

Program Expenses $279,560

Other Expenses $161,323

TOTAL EXPENSES $559,121

Year-over-Year Comparison

	2024	2023	Change
Revenue	$456,219	$493,508	-0.1%
Expenses	$559,121	$607,677	-0.1%
Net Income	$-102,902	$-114,169	-0.1%

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

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

$95,860

Total Directors

$95,860

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jan Spencely	Executive Director	040.00	Officer Director	$95,860	$0	$95,860
Karma Hartman Bass MPH	President	002.00	Director	$0	$0	$0
Carleen Stoskopf ScD	Vice President	002.00	Director	$0	$0	$0
Henry Tuttle	Treasurer	002.00	Director	$0	$0	$0
Gregory E Knoll Esq	Secretary	002.00	Director	$0	$0	$0
Dimitrois Alexiou	Director	002.00	Director	$0	$0	$0
Paul Hegyi	Director	002.00	Director	$0	$0	$0
Julianne Howell PhD	Director	002.00	Director	$0	$0	$0
Rosa Ana Lozada LCSW	Director	002.00	Director	$0	$0	$0
Nick Macchione MPH	Director	002.00	Director	$0	$0	$0
Jack Rogers MS MBA	Director	002.00	Director	$0	$0	$0
Mia Savoia MD	Director	002.00	Director	$0	$0	$0
Harriet Seldin DMD	Director	002.00	Director	$0	$0	$0
Sara Steinhoffer	Director	002.00	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	$456,219	$559,121	$533,667	$-102,902
2024	No data	No data	No data	No data
2023	$969,636	$445,109	$740,386	$524,527
2022	$170,835	$152,616	$208,149	$18,219
2021	$238,298	$141,540	$184,601	$96,758
2020	$143,102	$114,464	$97,433	$28,638

San Diegans for Health Care Coverage