Concordia Health Plan
Public records raise at least one point you should look into before giving.
What it says it does
Provide healthcare benefits for the participating employees, and their selected dependents, of member congregations, controlled organizations, and affiliated agencies of The Lutheran Church-Missouri Synod. Benefits include medical, prescription drugs, mental health, dental, vision, and health and wellness programs.
- Income
- $278.8 million
- Spending
- $296.4 million
- Employees
- 0
- Volunteers
- 0
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- $184.5 million spent. Healthcare benefits: 2025 enrollment consists of 15,490 members (14,906 active and 584 disabled/retired/seminary students/surviving dependents/leave of absence) and 19,459 dependents. Total enrollment is 34,949. (Information from 12/31/25 enrollment reports.) Provide medical healthcare directly to members through a network health program totaling $184,521,863.
- $49.9 million spent. Healthcare delivery: Provided prescription drug coverage totaling $49,927,844
- $2.2 million spent. Healthcare delivery: Provided vision service plan totaling $2,249,465
- $59.7 million spent. Healthcare delivery: Provided dental coverage totaling $17,255,594. Other program expenses: Investment and custodian fees $221,950; External claim services $16,821,171; Healthcare cost containment services $3,701,005; Net benefits & refunds $24,306; Management fees $17,431,971; Insurance premiums $2,571,430; Benefit related legal expense $6,276; Health & wellness publications/communications $98,439; Miscellaneous $1,540,907
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(9) employees' beneficiary association.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(9) employees' beneficiary association as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since November 1966.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.