UCare

Overview

Mission

UCare is an independent, non-profit health plan providing health coverage and services across Minnesota, working in partnership with health care providers and community organizations to help members access care and manage their health. Meet our partners who help us make our mission possible. Learn more UCare Foundation. An independent, non-profit health plan company that's powered by some of the hardest working people you'll ever meet. By partnering with health care providers and community organizations across Minnesota, we provide, de-complicate and figure out health coverage for our customers. UCare is an independent, nonprofit health plan providing health coverage and services across Minnesota. Working in partnership with health care providers and community organizations, UCare serves: Individuals and families choosing health coverage through MNsure, the insurance marketplace.

Operating model

Revenue model

Earned-program. 99% of the money available for current operations came from fees and other program revenue.

Distribution model

Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

• Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

• Financial Efficiency: 88
• Transparency & Controls: 100
• Accountability: 91
• Sustainability: 16
• Growth: 100

Detailed rating inputs

Details

• What they do: 3 programs and campaigns described on the official site · 1 operating location identified
• Where the money goes: 100% of revenue deployed · 97.7% of spending went to programs
• Governance: 1 of 1 board members independent · 7 of 9 filing controls reported
• Programs: 2 filed program accomplishments · $7.3B in reported program spending
• Leadership: top reported pay $1.4M · 30 people listed · 6 of 6 pay-setting controls reported
• Highest-paid contractors: 5 contractors listed · $61.8M reported
• Consistency: 37 of 37 current checks pass
• Schedules: 8 filed schedules · includes major donors, executive pay, and related organizations
• Filing history: 15 filing years from 2010 to 2025
• Contacts: How to reach this organization
• Money network: 28 filed money-flow records
• Related organizations: 5 filed related-organization links
• Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
• People: Everyone the filings name, and which of them the filings identify by more than a name.
• Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

• High — Sustainability: Operating margin scored 6/100.
• High — Sustainability: Total-asset coverage ratio scored 5/100.
• Review — Accountability: Governance controls: Independent financial-statement audit not reported.
• High — Sustainability: Liabilities to assets ratio scored 8/100.