CONSUMER HEALTH ALLIANCE

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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

2001

Legal Domicile

Phone

8005501242

Tax Period

2024-01-01 to 2024-12-31

CONSUMER HEALTH ALLIANCE, founded in 2001, is a small nonprofit that reported $156K in total revenue in fiscal year 2024. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $295K exceeded revenue, resulting in a 89% operating deficit.

Mission

THE MISSION OF CONSUMER HEALTH ALLIANCE ("CHA") IS TO EDUCATE CONSUMERS ABOUT DISCOUNT HEALTH CARE PROGRAMS AND TO PROTECT CONSUMERS' RIGHT TO OBTAIN AFFORDABLE HEALTH CARE PRODUCTS AND SERVICES THROUGH DISCOUNT HEALTH CARE PROGRAMS.

Program Service Accomplishments

Program 1

EDUCATION: CHA INFORMS CONSUMERS AND REGULATORS ABOUT THE BENEFICIAL SERVICES AND PRODUCTS THAT CHA MEMBER COMPANIES AND THE DISCOUNT HEALTH CARE INDUSTRY PROVIDE IN ADDITION TO GUIDING ON HOW TO...

EDUCATION: CHA INFORMS CONSUMERS AND REGULATORS ABOUT THE BENEFICIAL SERVICES AND PRODUCTS THAT CHA MEMBER COMPANIES AND THE DISCOUNT HEALTH CARE INDUSTRY PROVIDE IN ADDITION TO GUIDING ON HOW TO CHOOSE A DISCOUNT PLAN APPROPRIATE FOR THEIR NEEDS.

Program 2

ADVOCACY: CHA ESTABLISHES AND MAINTAINS POSITIVE RELATIONSHIPS BETWEEN THE DISCOUNT HEALTH CARE INDUSTRY AND THOSE WHO REGULATE IT TO ENSURE THAT CONSUMERS HAVE THE OPPORTUNITY TO CHOOSE THE VALUABLE PROGRAMS OFFERED BY CHA MEMBER COMPANIES. DURING THE CURRENT YEAR, CHA WORKED WITH VARIOUS STATE LEGISLATORS AND REGULATORS TO ATTEMPT TO JOINTLY CRAFT AND PASS BILLS AND ADOPT REGULATIONS THAT ARE REASONABLE AND APPROPRIATE FOR THE DISCOUNT HEALTH CARE INDUSTRY.

Program 3

CODE OF CONDUCT: CHA HAS DEVELOPED AND MAINTAINS A CODE OF CONDUCT THAT ESTABLISHES STANDARDS FOR DISCOUNT HEALTH CARE COMPANIES TO OPERATE WITH INTEGRITY, FAIRNESS AND ACCOUNTABILITY. THE CHA CODE OF CONDUCT IS A BENCHMARK THAT HELPS CONSUMERS CHOOSE AN APPROPRIATE DISCOUNT HEALTH CARE PROGRAM AND GUIDES DISCOUNT HEALTH CARE COMPANIES ON THEIR BUSINESS ACTIVITIES.

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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 $0

Program Service Revenue $156,396

Investment Income $0

Other Revenue $0

TOTAL REVENUE $156,396

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $295,076

TOTAL EXPENSES $295,076

Year-over-Year Comparison

	2024	2023	Change
Revenue	$156,396	$254,396	-0.4%
Expenses	$295,076	$294,092	+0.0%
Net Income	$-138,680	$-39,696	+2.5%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALLEN ERENBAUM	PRESIDENT	6.00	Officer Director	$0	$0	$0
STEWART SWEDA	VICE PRESIDENT	6.00	Officer Director	$0	$0	$0
JOEL RAY	CHAIRPERSON	6.00	Officer Director	$0	$0	$0
MICHAEL DIVITO	SECRETARY	6.00	Officer Director	$0	$0	$0
MARGARET KEEN	TREASURER	6.00	Officer 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
2024	$156,396	$295,076	$237,215	$-138,680
2023	$254,396	$294,092	$375,895	$-39,696
2022	$305,398	$295,951	$415,591	$9,447
2021	$331,994	$335,775	$406,144	$-3,781
2020	$435,863	$320,462	$409,925	$115,401
2019	$504,796	$466,986	$294,524	$37,810
2018	$723,481	$680,653	$256,714	$42,828