Skip to the page content
Your donations
Passes our checks

Peak Health Alliance

EIN 83-4270490 · Fraser, CO

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood71 out of 100GovernanceGood82 out of 100Impact evidenceDescribes programsHow well its results are evidenced

Points to look into

  • Raising each dollar of donations cost 851 cents.

These come from the organization's own tax return. There may be a good explanation; ask the charity.

What it says it does

PEAK HEALTH ALLIANCE IS ORGANIZED FOR THE PURPOSE OF ARRANGING FOR MORE COST-EFFECTIVE HEALTH INSURANCE AND HEALTH INSURANCE ADMINISTRATIVE SERVICES FOR EMPLOYERS WITH A PHYSICAL PRESENCE IN RURAL COLORADO AND THEIR EMPLOYEES AND INDIVIDUALS WHO RESIDE WITHIN COMMUNITIES WHO HAVE JOINED PEAK HEALTH ALLIANCE.

Income
$341,570
Spending
$344,362
Spent on programs
50%
Reserves
9.7 months of spending
Largest source of income
fees for its services, 96%
Employees
0
Volunteers
8
Highest pay
$57,000, exec dir-beg

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 71 out of 100. Higher than 40% of charities in its peer group (health care, $250k to $1m).

  • Reserves

    28 of 35

    Spendable reserves would cover 9.7 months of spending.

  • Debt

    20 of 20

    It owes 8% of what it owns.

  • Living within its means

    8 of 15

    Spending exceeded income by 1% of income.

  • Income trend

    15 of 15

    Income rose 190% on the year before.

  • Spending floor

    0 of 15

    50% of spending went to programs and raising each dollar of donations cost 851 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Good: 82 out of 100. Higher than 59% of charities in its peer group (health care, $250k to $1m).

  • Independent board

    25 of 25

    8 of 8 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    0 of 8

    Reports no written whistleblower policy.

  • Record keeping policy

    0 of 7

    Reports no written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    12 of 15

    Its accounts were reviewed or compiled by an independent accountant, but not audited.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. 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 (1)
  1. $172,535 spent. PEAK HEALTH ALLIANCE USES THE PURCHASING POWER OF THE COMMUNITIES WE REPRESENT TO NEGOTIATE LOWER HEALTH INSURANCE PREMIUMS. WE OFFER HEALTH INSURANCE PLANS THROUGH AN INSURANCE CARRIER SELECTED BASED ON THEIR ABILITY TO OFFER THE MOST COMPETITIVE RATES AND COMPREHENSIVE PLANS. WHILE OUR ABILITY TO OPERATE AND OFFER PLANS IS GRANTED UNDER COLORADO LAW AND ENFORCED BY THE DIVISION OF INSURANCE, WE ARE NOT A STATE AGENCY. THE KEY TO OUR SUCCESS IS A COLLABORATIVE APPROACH THAT INCLUDES LOCAL LEADERS AND PROVIDERS IN DEVELOPING INNOVATIVE HEALTHCARE SOLUTIONS. PHA HAS EXPANDED ITS SERVICE AREA TO INCLUDE NEARBY GRAND, LAKE, AND PARK COUNTIES. IN SOUTHWEST COLORADO, PEAK PARTNERS WITH THE LOCAL FIRST FOUNDATION TO SERVE DOLORES, LA PLATA, MONTEZUMA, AND SAN JUAN COUNTIES. ARCHULETA COUNTY IS NEW FOR 2024. IN ITS BRIEF EXISTENCE, PEAK HEALTH ALLIANCE HAS SAVED MEMBERS MORE THAN 18.9 MILLION DOLLARS ACROSS THE COMMUNITIES IT SERVES. THESE SAVINGS MEAN MONEY THAT WOULD HAVE BEEN SPENT ON INSURANCE PREMIUMS REMAINED IN THE LOCAL ECONOMY. PEAK HEALTH ALLIANCE USES THE PURCHASING POWER OF THE COMMUNITIES WE REPRESENT TO NEGOTIATE LOWER HEALTH INSURANCE PREMIUMS. WE OFFER HEALTH INSURANCE PLANS THROUGH AN INSURANCE CARRIER SELECTED BASED ON THEIR ABILITY TO OFFER THE MOST COMPETITIVE RATES AND COMPREHENSIVE PLANS. WHILE OUR ABILITY TO OPERATE AND OFFER PLANS IS GRANTED UNDER COLORADO LAW AND ENFORCED BY THE DIVISION OF INSURANCE, WE ARE NOT A STATE AGENCY. THE KEY TO OUR SUCCESS IS A COLLABORATIVE APPROACH THAT INCLUDES LOCAL LEADERS AND PROVIDERS IN DEVELOPING INNOVATIVE HEALTHCARE SOLUTIONS. PHA HAS EXPANDED ITS SERVICE AREA TO INCLUDE NEARBY GRAND, LAKE, AND PARK COUNTIES. IN SOUTHWEST COLORADO, PEAK PARTNERS WITH THE LOCAL FIRST FOUNDATION TO SERVE DOLORES, LA PLATA, MONTEZUMA, AND SAN JUAN COUNTIES. ARCHULETA COUNTY IS NEW FOR 2024. IN ITS BRIEF EXISTENCE, PEAK HEALTH ALLIANCE HAS SAVED MEMBERS MORE THAN 18.9 MILLION DOLLARS ACROSS THE COMMUNITIES IT SERVES. THESE SAVINGS MEAN MONEY THAT WOULD HAVE BEEN SPENT ON INSURANCE PREMIUMS REMAINED IN THE LOCAL ECONOMY.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. 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.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since January 2021.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. 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.