American Airlines, Inc. - Benefits
Overview
American Airlines, Inc. - Benefits sponsors a self-funded health plan that covered 109,070 participants in plan year 2025, down 4% from 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
- 109,070 · prior year 113,782
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- American Airlines, Inc. Onsite Clinic Health Plan, plan 522 (109,070 participants); American Airlines, Inc. Health and Life Plan for Retirees, plan 515 (26,667 participants); American Airlines Plus Plan for Active Employees, plan 526 (22,621 participants); American Airlines Rhra for Plus Plan for Active Employees, plan 527 (21,487 participants)
- Broker compensation
- $888K 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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Company | Life, Long-term disability, Short-term disability | 108,193 | $116.6M | $666K |
| Kaiser Foundation Health Plan, Inc. | Medical, Prescription drug, HMO | 1,850 | $24.5M | — |
| Community Care | Medical, Prescription drug, HMO | 1,664 | $14.3M | — |
| Fidelity Security Life Insurance Company | Vision | 161,303 | $10.5M | $119K |
| Life Insurance Company of North America | Accidental Death and Dismemberment, Accident, Management Personal Accident I, Accident, Test Flight Accident Insurance, Accident, Voluntary Personal Accident In | 99,994 | $4.8M | $104K |
| Triple S Salud, Inc. | Medical, Prescription drug, HMO | 339 | $3.1M | — |
| Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. | Medical, Prescription drug, HMO | 290 | $2.4M | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 109,070 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
- American Airlines, Inc. - Benefits
- Sponsor EIN
- 13-1502798
- Plan numbers
- 522, 515, 526, 527
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 13-1502798 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- American Airlines, Inc. 401(k) Plan
- Type
- 401(k) plan
- Participants
- 114,490
About this data
Source: American Airlines, Inc. - Benefits'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 American Airlines, Inc. - Benefits.