Aarp
Overview
Aarp sponsors a self-funded health plan that covered 3,249 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 3,249 · prior year 3,245
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Aarp Employees Welfare Plan, plan 507 (3,249 participants)
- Stop-loss carrier
- United Healthcare Insurance Company
- Broker compensation
- $4K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| United Healthcare Insurance Company | Medical, Stop-loss | 4,701 | $49.8M | — |
| Kaiser Foundation Health Plan of the Mid-Atlantic States Inc. | HMO | 409 | $3.4M | — |
| Hartford Life and Accident | Accidental Death and Dismemberment | 2,446 | $3.2M | — |
| Delta Dental of District of Columbia | Dental | 4,804 | $2.2M | — |
| Kaiser Foundation Health Plan Inc. | HMO | 103 | $935K | — |
| Genworth Life Insurance Company | Long-Term Care | 287 | $398K | — |
| Vision Service Plan | Vision | 2,592 | $321K | — |
| Metropolitan Life Insurance Company | Long-Term Care | 70 | $147K | — |
| Federal Insurance Company | Accidental Death and Dismemberment | 2,523 | $59K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 3,249 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Aarp
- Sponsor EIN
- 95-1985500
- Plan number
- 507
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 95-1985500 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Aarp Employees' Pension Plan
- Type
- Pension plan
- Participants
- 5,930
About this data
Source: Aarp's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Aarp.