Beth Israel Lahey Health, Inc.

Cambridge, MA Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
38,324Participants+1% vs. prior year
$90.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 40Health care in MABy participants

Overview

Beth Israel Lahey Health, Inc. sponsors a self-funded health plan that covered 38,324 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
38,324 · prior year 37,914
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Beth Israel Lahey Health, Inc. Employee Benefits Plan, plan 501 (38,324 participants)
Broker compensation
$3.6M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaShort-term disability, Long-term disability33,641$20.6M$1.3M
Dental Service of MA, Inc. DBA Delta Dental of MADental45,855$20.2M$605K
Reliastar Life Insurance CompanyLife41,378$11.9M$1.2M
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision33,801$2.9M$296K
Arag Insurance CompanyLegal8,878$839K$84K
KGA Inc.Employee Assistance Program38,324$616K—
Federal Insurance CompanyBusiness Travel Accident38,324$71K$25K

Pharmacy benefit estimate

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

$90.9M/ year

Estimated prescription spend: 38,324 participants × $2,371 national average per member. Usually higher once dependents are counted.

$2.4M–$5.8M/ year

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

Brands with a generic available$691K–$1.7M
Lower-cost therapeutic alternatives$1.0M–$2.1M
Generic pricing vs. actual cost$436K–$1.3M
PBM contract terms$227K–$681K
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
Beth Israel Lahey Health, Inc.
Sponsor EIN
83-2671600
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 83-2671600 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Beth Israel Lahey Health, 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 Beth Israel Lahey Health, Inc..

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