UTAH HEALTH INSURANCE ASSOCIATION (EIN 870377277) - 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

2015

Legal Domicile

Principal Officer

MICHAEL SONNTAG

Phone

8016732861

Tax Period

2025-01-01 to 2025-12-31

UTAH HEALTH INSURANCE ASSOCIATION, founded in 2015, is a micro nonprofit in the Community Improvement sector that reported $39K in total revenue in fiscal year 2025. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $64K exceeded revenue, resulting in a 65% operating deficit.

Mission

UHIA FACILITATES COMMUNICATION BETWEEN ITS MEMBER COMPANIES, EMPLOYERS, HEALTH CARE PROVIDERS, STATE OFFICIALS AND OTHER KEY STAKEHOLDERS. UHIA IS ACTIVELY INVOLVED IN POLICY DEVELOPMENT AND PROMITES AN AGENDA THAT ADVANCES A MARKET-DRIVEN HEALTH CARE SYSTEM IN THE STATE OF UTAH.

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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 $37,450

Program Service Revenue $0

Investment Income $1,078

Other Revenue $0

TOTAL REVENUE $38,528

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $8,274

Other Expenses $55,438

TOTAL EXPENSES $63,592

Year-over-Year Comparison

	2025	2024	Change
Revenue	$38,528	$54,500	-0.3%
Expenses	$63,592	$66,464	0.0%
Net Income	$-25,064	$-11,964	+1.1%

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

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
RYAN SMART	BOARD MEMBER	0.00	Director	$0	$0	$0
KIM FROST	BOARD MEMBER	0.00	Director	$0	$0	$0
BRIAN MANSEN	BOARD MEMBER	0.00	Director	$0	$0	$0
RUSSELL TRUJILLO	BOARD MEMBER	0.00	Director	$0	$0	$0
CHET LOFT	BOARD MEMBER	0.00	Director	$0	$0	$0
MICHAEL SONNTAG	EXECUTIVE DIRECTOR	1.00	Officer	$0	$0	$0
MYKEL SEVERSON	SECRETARYADMINISTRATIVE ASSISTANT	0.00	Officer	$0	$0	$0
STEPHEN FOXLEY	PRESIDENT ELECT	0.00	Officer	$0	$0	$0
BRANDON SMART	PRESIDENT	0.00	Officer	$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	$38,528	$63,592	$64,661	$-25,064
2024	$54,500	$66,464	$89,725	$-11,964
2023	$128,824	$51,412	$77,412	$77,412

UTAH HEALTH INSURANCE ASSOCIATION