American Cancer Society, Inc.

Atlanta, GA Other servicesNAICS 813000

Self-funded health planPlan year 2025Renews January
4,158Participants+1% vs. prior year
$9.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 10Other services in GABy participants

Overview

American Cancer Society, Inc. sponsors a self-funded health plan that covered 4,158 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
4,158 · prior year 4,099
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The American Cancer Society, Inc., Health and Welfare Benefits Plan, plan 501 (4,158 participants); American Cancer Society Retiree Health Reimbursement Arrangement Plan, plan 510 (890 participants)
Stop-loss carrier
Reliastar Life Insurance Company
Broker compensation
$591K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Reliastar Life Insurance CompanyStop-loss2,178$2.2M$137K
Cigna Health and Life Insurance Company and AffiliatesDental2,379$2.0M—
Kaiser Foundation Health Plans Inc.Medical, Prescription drug, HMO76$1.3M—
The Prudential Insurance Company of AmericaLife3,851$1.3M$204K
Kaiser Foundation Health Plan of GeorgiaMedical, HMO107$981K—
Continental American Insurance Company—1,244$769K$158K
Lincoln National Life Insurance CompanyLong-term disability2,952$738K$59K
Vision Service PlanVision2,077$391K$8K
Kaiser Foundation Health Plan of MidatlanticMedical, HMO28$214K$1K
Provident Life and Accident Insurance CompanyLong-term disability34$68K$24K
Life Insurance Company of North AmericaBTA Fully Insured Basic Group3,101—$490

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$9.9M/ year

Estimated prescription spend: 4,158 participants × $2,371 national average per member. Usually higher once dependents are counted.

$256K–$632K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$75K–$187K
Lower-cost therapeutic alternatives$109K–$229K
Generic pricing vs. actual cost$47K–$142K
PBM contract terms$25K–$74K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
American Cancer Society, Inc.
Sponsor EIN
13-1788491
Plan numbers
501, 510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-1788491 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
American Cancer Society 403(b) Plan
Type
Defined contribution plan
Participants
6,388

About this data

Source: American Cancer Society, Inc.'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 Cancer Society, Inc..

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