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BLUE CROSS BLUE SHIELD ASSOCIATION

EIN 13-5656874 CHICAGO, IL

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Revenue 2024
$862,659,881
Expenses 2024
$851,503,421

Program services were 96.9% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
04
NTEE code
E80
Classification
3000
Street
200 E RANDOLF ST

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

THE ASSOCIATION SERVES ITS MEMBERSHIP CONSISTING OF INDEPENDENT BLUE CROSS AND BLUE SHIELD MEMBER PLANS THAT OPERATE WITHIN SPECIFIC GEOGRAPHIC SERVICE AREAS. THE ASSOCIATION PROVIDES A VARIETY OF SERVICES TO MEMBER PLANS AND COORDINATES GOVERNMENT SERVICES, SUCH AS THE CONTRACT UNDER THE FEDERAL EMPLOYEE HEALTH BENEFIT PROGRAM (FEP), WHICH IS THE CORE OF THE ORGANIZATION'S EXEMPT PURPOSE OF PROMOTING THE COMMON GOOD AND GENERAL WELFARE OF THE COMMUNITY BY FOSTERING BROADBASED HEALTH INSURANCE COVERAGE.

Activities or mission (Part I)

THE ORGANIZATION'S TAX EXEMPT PURPOSE IS PROMOTING THROUGH INDEPENDENT BLUE CROSS AND BLUE SHIELD MEMBER PLANS, THE COMMON GOOD AND GENERAL WELFARE OF THE COMMUNITY BY FOSTERING BROADBASED HEALTH INSURANCE COVERAGE.

  • THE BLUE CROSS AND BLUE SHIELD ASSOCIATION'S FEDERAL EMPLOYEE PROGRAM (FEP) ADMINISTERS THE BLUE CROSS AND BLUE SHIELD SERVICE BENEFIT PLAN. APPROXIMATELY 67.5 PERCENT OF ALL FEDERAL EMPLOYEES AND RETIREES WHO RECEIVED THEIR HEALTH CARE BENEFITS THROUGH THE GOVERNMENT'S FEDERAL EMPLOYEES' HEALTH BENEFITS PROGRAM (FEHBP) ARE MEMBERS OF THE SERVICE BENEFIT PLAN RECEIVING HEALTH COVERAGE THROUGH MEMBER PLANS. THE SERVICE BENEFIT PLAN HAS BEEN PART OF THE FEHBP SINCE ITS INCEPTION IN 1960 AND IS THE LARGEST PLAN IN THE PROGRAM. 2024 WAS ANOTHER STRONG YEAR FOR THE FEP, BLUE CROSS BLUE SHIELD FEP DENTAL AND BLUE CROSS BLUE SHIELD FEP VISION. WE ATTAINED HISTORIC LEVELS OF ACHIEVEMENT ON SEVERAL BUSINESS METRICS: ENROLLMENT OF OVER 5.6 MILLION MEMBERS AND A RECORD 39 PROGRAM SERVICE ACCOMPLISHMENTS, CONSECUTIVE YEARS OF OPEN SEASON ENROLLMENT GROWTH, AND RETENTION REMAINS AT A HIGH-LEVEL OF 99.3 PERCENT.

    Expenses $358,449,053 · Revenue $358,729,957

  • AS AN ASSOCIATION OF MEMBER PLANS, THE ASSOCIATION (1) COORDINATES ADVERTISING AND COMMUNICATION PROGRAMS, PROVIDING POLICY AND REPRESENTATION OF MEMBER INTERESTS, (2) MONITORS AND FOSTERS THE FINANCIAL STABILITY OF ALL THE PLANS, AND (3) SUPPORTS THE ABILITY OF THE PLANS TO OPERATE EFFICIENTLY BY PROVIDING CONFERENCES, CONSULTING AND MISCELLANEOUS SERVICES TO THE PLANS.

    Expenses $140,806,052 · Grants $1,215,062 · Revenue $156,580,905

  • THE BLUECARD PROGRAM ENABLES BLUE PLAN MEMBERS TO RECEIVE THE BENEFITS OF THEIR INSURANCE CONTRACTS WHILE TRAVELING OR LIVING IN ANOTHER MEMBER PLAN'S GEOGRAPHIC SERVICE AREA. THROUGH BLUECARD, BLUE PLAN MEMBERS ARE GIVEN SEAMLESS NATIONAL ACCESS TO PHYSICIANS AND HOSPITALS THAT PARTICIPATE IN BLUE NETWORKS. ADDITIONALLY, THE PROGRAM LINKS PARTICIPATING HEALTHCARE PROVIDERS WITH THE INDEPENDENT BLUE CROSS AND BLUE SHIELD PLANS THROUGH A SINGLE ELECTRONIC NETWORK FOR CLAIMS PROCESSING AND REIMBURSEMENT.

    Expenses $241,343,912 · Revenue $231,206,378

  • THE ASSOCIATION PROVIDES OPTIONAL CONSULTING SERVICES AND OTHER MISCELLANEOUS PROJECTS; OPERATION OF THE NATIONAL EMPLOYEE BENEFITS ADMINISTRATION PROGRAM THAT PROVIDES A COMPREHENSIVE GROUP PACKAGE OF EMPLOYEE BENEFITS PROGRAMS TO THE PLANS; A CLOSED PRIVATE, WIDE AREA NETWORK THAT LINKS THE COMPUTER AND INFORMATION RESOURCES OF THE PLANS.

    Expenses $84,835,396 · Revenue $100,645,107

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Kim Keck

    PRESIDENT AND CEO

    Total calculated
    $8,414,231
    From this org
    $6,155,415
    From related orgs
    $0
    Other
    $2,258,816
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $1,555,062
    Bonus
    $4,392,400
    Other
    $207,953
    Deferred
    $2,227,277
    Nontaxable benefits
    $31,539
    Filer's total
    $8,414,231
  • Matt All

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Curtis Barnett

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Gail Boudreaux

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Dan Conrad

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Gregory Deavens

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Dana Erickson

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Patrick Geraghty

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Diane Gore

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Cory Harris

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • JD Hickey

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • David Holmberg

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Sarah Iselin

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Pam Kehaly

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Daniel Loepp

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Charlene Maher

    BOARD MEMBER (END 01/24)

    Total calculated
    $0
    Hours/week
    4
  • Paul Markovich

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Michael Mizeur

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Mark Mugiishi

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Brian Pieninck

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • M Carol Pigott

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • James Reed

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Jeffrey Roe

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Jeff Russell

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4
  • Mark Ruszczyk

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    4

The first 25 listed. Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $862,659,881
    Expenses
    $851,503,421
    Contributions
    $0
    Grants paid
    $1,215,062
  • 2023
    Revenue
    $819,123,548
    Expenses
    $797,976,234
    Contributions
    $0
    Grants paid
    $2,000,585
  • 2022
    Revenue
    $755,791,525
    Expenses
    $697,934,609
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $779,983,196
    Expenses
    $705,382,676
    Assets (EOY)
    $823,249,199
  • 2020 · 990

    Revenue
    $672,909,630
    Expenses
    $661,065,961
    Assets (EOY)
    $1,101,136,173
  • 2019 · 990

    Revenue
    $695,794,709
    Expenses
    $659,070,100
    Assets (EOY)
    $872,476,835
  • 2018 · 990

    Revenue
    $606,168,219
    Expenses
    $602,641,023
    Assets (EOY)
    $795,746,293
  • 2017 · 990

    Revenue
    $591,991,374
    Expenses
    $593,423,726
    Assets (EOY)
    $727,717,175
  • 2016 · 990

    Revenue
    $536,130,105
    Expenses
    $534,956,329
    Assets (EOY)
    $646,430,670
  • 2015 · 990

    Revenue
    $504,178,349
    Expenses
    $509,690,116
    Assets (EOY)
    $650,271,510
  • 2014 · 990

    Revenue
    $457,383,677
    Expenses
    $449,635,361
    Assets (EOY)
    $691,620,828
  • 2013 · 990

    Revenue
    $413,909,483
    Expenses
    $425,142,555
    Assets (EOY)
    $588,221,414
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $401,591,171
    Assets (EOY)
    $545,808,284

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

Grants received

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Related corporations and trusts on its 2024 return

  • BLUE CROSS BLUE SHIELD BENEFIT CORP

    C · COMMUNITY HEALTH · IL · 100% owned · share of income $257,195 · share of assets $1,570,507 · controlled entity

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.