Civic Intelligence

America'S Health Insurance Plans Inc

EIN 36-2087641 • 501(c)6 • Washington, DC

Profile

America's health insurance plans (ahip) is the national trade association representing the health insurance industry. Ahip's members provide health and supplemental benefits to more than 200 million americans through employer-sponsored coverage, the individual insurance market, and public programs such as medicare and medicaid. Ahip advocates for public policies that expand access to affordable health care coverage to all americans through a competitive marketplace that fosters choice, quality and innovation

601 Pennsylvania Ave NW Suite 500Washington, DC 20004

www.ahip.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

88th percentile

0.74x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)6 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

80th percentile

0.89x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)6 • $50M-$100M nonprofits • Source year 2024

Net Margin

21st percentile

-3.0%

Higher net margin than 21% of similar nonprofits.

501(c)6 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

81st percentile

$1,561,323

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

501(c)6 • $50M-$100M nonprofits • Source year 2024

Asset Growth

15th percentile

-4.0%

Faster asset growth than 15% of similar nonprofits.

501(c)6 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

11th percentile

-13%

Faster revenue growth than 11% of similar nonprofits.

501(c)6 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Assets

Down

$94,799,073

Down $900,770 (-0.9%) from 2022

Liabilities

Down

$69,852,561

Down $3,336,601 (-4.6%) from 2022

Net Assets

Up

$24,946,512

Up $2,435,831 (+11%) from 2022

Revenue

Down

$78,092,479

Down $505,517 (-0.6%) from 2022

Expenses

Up

$80,405,645

Up $6,469,985 (+8.8%) from 2022

Net Income

Down

-$2,313,166

Down $6,975,502 (-150%) from 2022

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0-$50MAssets 2010: $33,387,616Liabilities 2010: $30,990,820Net Assets 2010: $2,396,7962010Assets 2011: $35,063,520Liabilities 2011: $32,637,271Net Assets 2011: $2,426,2492011Assets 2013: $33,227,138Liabilities 2013: $30,204,924Net Assets 2013: $3,022,2142013Assets 2014: $31,770,269Liabilities 2014: $30,831,545Net Assets 2014: $938,7242014Assets 2015: $27,353,035Liabilities 2015: $29,108,612Net Assets 2015: -$1,755,5772015Assets 2016: $28,141,052Liabilities 2016: $28,178,321Net Assets 2016: -$37,2692016Assets 2017: $36,494,977Liabilities 2017: $31,689,023Net Assets 2017: $4,805,9542017Assets 2018: $37,444,804Liabilities 2018: $31,213,609Net Assets 2018: $6,231,1952018Assets 2019: $41,102,052Liabilities 2019: $31,411,368Net Assets 2019: $9,690,6842019Assets 2021: $52,034,294Liabilities 2021: $29,788,519Net Assets 2021: $22,245,7752021Assets 2022: $95,699,843Liabilities 2022: $73,189,162Net Assets 2022: $22,510,6812022Assets 2024: $94,799,073Liabilities 2024: $69,852,561Net Assets 2024: $24,946,5122024

Highlighted filing

2024

Assets$94,799,073
Liabilities$69,852,561
Net Assets$24,946,512

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100M$50M$0-$50MExpenses 2010: $98,110,6902010Expenses 2011: $70,063,6092011Revenue 2013: $63,107,331Expenses 2013: $63,893,444Net Income 2013: -$786,1132013Revenue 2014: $66,611,442Expenses 2014: $68,604,615Net Income 2014: -$1,993,1732014Revenue 2015: $70,079,911Expenses 2015: $72,359,328Net Income 2015: -$2,279,4172015Revenue 2016: $62,632,672Expenses 2016: $61,462,445Net Income 2016: $1,170,2272016Revenue 2017: $64,939,674Expenses 2017: $61,029,216Net Income 2017: $3,910,4582017Revenue 2018: $61,757,254Expenses 2018: $59,618,129Net Income 2018: $2,139,1252018Revenue 2019: $68,697,325Expenses 2019: $66,725,272Net Income 2019: $1,972,0532019Revenue 2021: $89,888,524Expenses 2021: $85,540,688Net Income 2021: $4,347,8362021Revenue 2022: $78,597,996Expenses 2022: $73,935,660Net Income 2022: $4,662,3362022Revenue 2024: $78,092,479Expenses 2024: $80,405,645Net Income 2024: -$2,313,1662024

Highlighted filing

2024

Revenue$78,092,479
Expenses$80,405,645
Net Income-$2,313,166

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.8$69.9$24.9$78.1$80.4$2.31
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.7$73.2$22.5$78.6$73.9$4.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$52.0$29.8$22.2$89.9$85.5$4.35
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.1$31.4$9.69$68.7$66.7$1.97
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.4$31.2$6.23$61.8$59.6$2.14
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.5$31.7$4.81$64.9$61.0$3.91
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$28.2$0.04$62.6$61.5$1.17
2015Detailed filing. Detailed filing data is available for this year.$27.4$29.1$1.76$70.1$72.4$2.28
2014Detailed filing. Detailed filing data is available for this year.$31.8$30.8$0.94$66.6$68.6$1.99
2013Detailed filing. Detailed filing data is available for this year.$33.2$30.2$3.02$63.1$63.9$0.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.1$32.6$2.43$70.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.4$31.0$2.40$98.1
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$85,564,304
Mission and Program Overview

Mission

SEE SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Intangible Assets$42,686,273$38,848,961▼ $3,837,312
Investments in Publicly Traded Securities$27,056,592$28,782,964▲ $1,726,372
Savings and Temporary Cash Investments$11,239,444$13,328,045▲ $2,088,601
Cash and Non-Interest-Bearing Accounts$14,349,940$9,260,003▼ $5,089,937
Prepaid Expenses and Deferred Charges$2,218,190$3,447,401▲ $1,229,211
Accounts Receivable$742,544$724,075▼ $18,469
Land, Buildings, and Equipment, Net$409,395$347,659▼ $61,736
Total Assets$98,754,910$94,799,073▼ $3,955,837
Other Assets Total$52,532$59,965▲ $7,433
Liabilities
Other Liabilities$46,113,796$42,693,047▼ $3,420,749
Deferred Revenue$18,157,279$17,092,655▼ $1,064,624
Accounts Payable and Accrued Expenses$9,736,315$10,066,859▲ $330,544
Total Liabilities$74,007,390$69,852,561▼ $4,154,829
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$24,747,520$24,946,512▲ $198,992
Total Net Assets Fund Balance$24,747,520$24,946,512▲ $198,992
Total Liabilities and Net Assets / Fund Balance$98,754,910$94,799,073▼ $3,955,837

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$347,659$1,448,375$1,796,034
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mike TuffinPresident & CEOFT$1,244,291$317,032$1,561,323
Julie MillerChief Legal, Admin Officer/secretaryFT$618,768$490,785$1,109,553
John MathewsonCOO (outgoing May 2024)FT$255,705$660,825$916,530
Jeanette ThorntonExecutive VPFT$566,949$271,968$838,917
Sohini GuptaExecutive VPFT$512,659$179,098$691,757
Robert TraynhamExecutive VPFT$512,245$179,281$691,526
Thomas AmontreeExecutive VPFT$488,428$151,276$639,704
Mark HamelburgSenior VPFT$517,537$108,687$626,224
Dawn EshelmanCFO (outgoing May 2024)FT$257,588$367,621$625,209
Lashawn MciverSenior VPFT$378,324$132,195$510,519
Aron GriffinSenior VPFT$402,131$104,685$506,816
Sean DicksonSenior VPFT$365,887$77,154$443,041
Contina DjaougaCFO (incoming July 2024)FT$122,189$18,199$140,388

Board Members and Trustees

NameTitle
Patrick GeraghtyBoard Chair
David HolmbergPast Chair
Andrea WalshBoard Member
BRIAN O'GRADYBoard Member
Christopher PalmieriBoard Member
Daniel LoeppBoard Member
David CordaniBoard Member
Dennis MatheisBoard Member
Diane HolderBoard Member
Eileen AuenBoard Member
Erhardt PreitauerBoard Member
Eric HunterBoard Member
Gail BoudreauxBoard Member
Gary St HilaireBoard Member
Gregory AdamsBoard Member
Gregory DeavensBoard Member
Jared ShortBoard Member
Jd HickeyBoard Member
Jim RechtinBoard Member
John BaackesBoard Member
Kelly MunsonBoard Member
Maurice SmithBoard Member
Michael CroppBoard Member
Pat WangBoard Member
Paul MarkovichBoard Member
Peter MarinoBoard Member
Robert ReedBoard Member
Sachin JainBoard Member
Sarah LondonBoard Member
Steven NelsonBoard Member
Virgil MillerBoard Member
William CameronBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Forj Software INCLearning Management System Services20935 SWENSON DRIVE SUITE 125, Waukesha, WI 53186$4,368,400
Locust Street GroupAdvocacy2008 HILLYER PL NW, Washington, DC 20009$2,311,495
Wynn Las VegasConferences3131 LAS VEGAS BLVD, Las Vegas, NV 89109$2,199,658
Reservoir Communications Group LLCAdvocacy607 14TH STREET NW SUITE 675, Washington, DC 20005$1,605,000
Diligent Health SolutionsInsurance Education Call Center530 PENNBROOK DRIVE, Chesterfield, VA 23832$1,415,796
Revenue and Support

Revenue Composition

Contributions and Grants
$100,000
Program Service Revenue
$76,071,385
Investment Income
$1,430,897
Other Revenue
$490,197
All Other Contributions
$100,000
Change in Net Assets
$-2,313,166

Audited Revenue Reconciliation

Revenue per Audited Statements
$77,924,962
Revenue Not Reported on Financial Statements
$167,517
Revenue Not Reported on Form 990
$2,626,998
Total Revenue per Audited Statements
$80,551,960
Total Revenue per Form 990
$78,092,479
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$42,796,194
Salaries, Compensation, and Employee Benefits$37,609,451
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$25,643,107
Fees for Services Lobbying---$7,621,279
Conferences and Meetings---$7,574,459
Current Officers, Directors, Trustees, and Key Employees---$6,575,203
Occupancy---$4,311,911
Fees for Services Other---$4,148,917
Office Expenses---$2,667,609
Fees for Services Management---$2,430,272
Other Employee Benefits---$2,293,171
Payroll Taxes---$1,843,161
Information Technology---$1,530,560
Depreciation Depletion---$1,416,735
Pension Plan Contributions---$1,254,809
All Other Expenses---$1,004,338
Fees for Services Legal---$932,533
Travel---$733,001
Advertising---$641,249
Insurance---$455,162
Fees for Services Accounting---$433,700
Fees for Service Investment Mgmnt Fees---$167,517
Other Expenses---$20,195
Total Functional Expenses$0$0$0$80,405,645

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$80,405,645
Total Expenses per Audited Statements$80,353,628
Expenses per Audited Statements$80,238,128
Expenses Not Reported on Financial Statements$167,517
Expenses Not Reported on Form 990$115,500
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$18,147,583
Total Nondeductible Lobbying and Political Cost$16,973,408
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$40,875,806
Accrued Postretirement Health$1,062,784
Deferred Compensation$754,457
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization has major medical and non-major medical members with voting rights.

Form 990, Part VI, Section A, Line 7A

The organization's major medical and non-major medical members have the power to elect directors of the organization and the organization's executive committee has the power to appoint a director to fill a vacancy and manage the affairs of the corporation as delegated by the board.

Form 990, Part VI, Section A, Line 7B

The organization's major medical and non-major medical members have approval rights over certain governance decisions of the organization and the organization's executive committee has the authority to make decisions on the board's behalf in certain matters.

Form 990, Part VI, Section B, Line 11B

The supporting schedules and documentation for the form 990 are provided by the vp of finance. The form 990 is reviewed by cfo, ahip executive management and ceo. Additionally, form 990 is reviewed and approved by ahip board chair prior to filing with the irs.

Form 990, Part VI, Section B, Line 12C

The following is a summary of how the organization monitors and enforces conflicts of interest as it applies to officers and directors ("ahip individuals"): 1. Monitoring. The secretary and/or ceo will be responsible for monitoring the compliance with and the effectiveness of the conflicts of interest policy for ahip individuals and shall provide regular reports to the administrative committee concerning the same. As part of such responsibilities, the secretary and/or ceo shall undertake or supervise the undertaking of the following actions: (a) annually prepare the list of ahip individuals who shall be subject to the reporting requirements of the annual disclosure form; (b) supervise the distribution, collection and review of forms; (c) prepare the lists to track and organize the information gathered on the forms submitted and take other necessary measures to facilitate the timely identification of conflicts and accurate reporting on ahip's annual irs form 990 information return; (d) prepare an update form to allow for changes or updates to the annual form to be returned within 60 days of any such change or update; (e) monitor procedures to ensure that once a conflict of interest is identified, proceedings comply with the procedures set forth in sections 2, 3, and 4 below; and (f) address any deficiencies or measures for improvement of the procedures under this policy with the executive committee. 2. Resolution of conflicts by the secretary and/or ceo. When conflicts or potential conflicts arise, they should be evaluated thoroughly by the secretary and/or ceo. Conflicts or potential conflicts of interest should be resolved, if possible, by the ahip individual involved and the secretary and/or ceo. Resolutions could include: (a) taking no action; (b) assuring full disclosure to the board of directors ("board") and other individuals covered by this policy; (c) asking the person to recuse himself or herself from participation in related discussions or decisions within ahip; or (d) asking the person to resign from his or her ahip position, or if the person refuses to resign, subjecting him or her to removal procedures. 3. Conflicts which cannot be resolved by the secretary and/or ceo. If any conflict or potential conflict cannot be resolved by the ahip individual involved and the secretary and/or ceo, the matter shall be resolved by the executive committee, which should report any such conflict or potential conflict and its resolution to the board as soon as practicable. The board shall ratify or alter the action of the executive committee with respect to any conflict or potential conflict. 4. Conflicts involving ahip ceo. If any conflict or potential conflict of interest involves the ceo, the matter in the first instance shall be referred to and resolved by the executive committee, with review by the board. 5. Compliance. If the board has reasonable cause to believe that an ahip individual has failed to comply with this policy, the board may counsel the ahip individual regarding such failure and, if the issue is not resolved to the board's satisfaction, may consider additional corrective action as appropriate.

Form 990, Part VI, Section B, Line 15A

The board maintains formal processes and procedures for determining compensation for the president of the organization. Comparative salary information is provided to the chairman of the board, past chairman of the board, & incoming chairman of the board. When major changes are made, these individuals have deemed it necessary to employ outside compensation consultants to review and make recommendations based on their findings.

Form 990, Part VI, Section C, Line 19

The organization's governing documents, conflict of interest policy, and irs form 990 tax return are available upon request by telephone or in writing. The organization's audited financial statements are not available to the public.

Filing and Contact Details

Filer

Filer Name
AMERICA'S HEALTH INSURANCE PLANS INC
EIN
36-2087641
Phone
2027783200
Address
601 PENNSYLVANIA AVE NW SUITE 500, WASHINGTON, DC 20004
Doing Business As
Ahip

Signing Officer

Name
Michael Tuffin
Title
President & CEO
Phone
2027783200
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Tuffin
Formed
1959
Legal Domicile
De
Voting Board Members
33
Independent Board Members
32
Employees
146
Volunteers
32

Preparer

Firm
Cohnreznick Advisory LLC
Address
7501 WISCONSIN AVENUE SUITE 400E, BETHESDA, MD 20814
Preparer
Zachary Segal
Phone
3016529100
Supplemental Narrative

Additional Explanations

FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:

Ahip is the national trade association representing the health insurance industry. Ahip's members provide health care coverage, services and solutions to more than 200 million americans. We are committed to market-based solutions and public-private partnerships that make high-quality coverage and care more affordable, accessible and equitable for everyone.

FORM 990, PART III, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:

Ahip is the national trade association representing the health insurance industry. Ahip's members provide health care coverage, services and solutions to more than 200 million americans. We are committed to market-based solutions and public-private partnerships that make high-quality coverage and care more affordable, accessible and equitable for everyone.

FORM 990, PART IX, LINE 24B:

Ahip incurred expenses to organizations as part of its advocacy efforts on health care issues associated with ensuring accessible, affordable and sustainable health insurance coverage for all americans. Expenses were incurred to organizations that generally aligned with ahip's views on issues facing the health insurance industry - namely, that policies, regulations, and laws must build on the existing competitive markets; make health care coverage more affordable for individuals, families and employers; restructure health care delivery to promote quality, value and better health outcomes; and put the health care system on a path that is fiscally responsible and sustainable. Activities performed by organizations to which ahip incurred expenses included grassroots outreach, education and mobilization; print, online, and broadcast advertising; and coalition building efforts. Ahip did not control or direct any of these activities. Ahip has disclosed these expenses on part ix, line 24b - advocacy, in order to make clear that these expenses were unencumbered; accordingly ahip is not reporting these expenses on part ix, line 1 as grant or other assistance, or on part ix, line 11d as a lobbying fee.

Financial Statement Notes

PART X, LINE 2:

Ahip has received a determination letter from the internal revenue service ("irs") to be treated as a tax-exempt entity pursuant to section 501(c)(6) of the internal revenue code. Ahip is subject to income taxes on revenue generated from other sources unrelated to its exempt purpose. Due to its tax-exempt status, ahip is not subject to income taxes on revenues that are generated related to its exempt purpose. Ahip is required to file and does file tax returns with the irs and other taxing authorities. Accordingly, these consolidated financial statements reflect provisions for unrelated business income taxes. Unrelated business income, net of expenses, was $96,170 and $212,844 for the years ended december 31, 2024 and 2023, respectively. Income tax expense for unrelated business income for the years ended december 31, 2024 and 2023 was $20,196 and $44,697, respectively. Pursuant to the tax cuts and jobs act ("tcja"), effective january 1, 2018, ahip became subject to the recognition of excise tax on certain executive compensation. Accordingly, for the years ended december 31,2024 and 2023, excise tax expense in the amounts of $114,992 and $336,436 is reflected on the consolidated statement of activities. The organization complies with the provisions of financial accounting standards board ("fasb") accounting standards codification ("asc") 740, income taxes. The fasb asc requires tax effects from uncertain tax positions to be recognized in the consolidated financial statements only if the position is more likely than not to be sustained if the position were to be challenged by a taxing authority. The benefit of a tax position is recognized in the consolidated financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. During the years ended december 31, 2024 and 2023, the organization did not identify any uncertain tax positions that qualify for either recognition or disclosure in the consolidated financial statements. Income tax returns filed by the organization are subject to examination by the irs for a period of three years. While no income tax returns are currently being examined by the irs, tax years since 2021 remain open.

PART XI, LINE 2D - OTHER ADJUSTMENTS:

Consolidated affiliate revenue 114,840.

PART XII, LINE 2D - OTHER ADJUSTMENTS:

Consolidated affiliate expenses 115,500.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHIEF LEGAL, ADMIN OFFICER/SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2COO (OUTGOING MAY 2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt3EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt4EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt5EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt6EXECUTIVE VP
IRS990/Form990PartVIISectionAGrp/TitleTxt7SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO (OUTGOING MAY 2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt9SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt10SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12CFO (INCOMING JULY 2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER

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