Chs/community Health Systems, Inc.

Franklin, TN Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
48,581Participants-3% vs. prior year
$115.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 51Health care in TNBy participants

Overview

Chs/community Health Systems, Inc. sponsors a self-funded health plan that covered 48,581 participants in plan year 2025, down 3% 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
48,581 · prior year 50,180
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Chs/community Health Systems, Inc. Welfare Benefit Plan, plan 504 (48,581 participants); Community Health Systems Group Health Plan, plan 501 (39,564 participants)
Broker compensation
$4.5M 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
Prudential Insurance Company of AmericaLife, Short-term disability, Long-term disability43,942$38.1M$1.7M
American Heritage Life Insurance CompanyLife12,535$13.2M$2.6M
Vision Service PlanVision31,249$5.1M$77K
Metropolitan Life Insurance CompanyDental3,247$1.1M$39K
Carelon Behavioral Health, Inc.Employee Assistance Program57,005$628K—
Metropolitan General Insurance CompanyLegal3,300$609K$89K
Federal Insurance CompanyBusiness Travel Accident48,560$39K$8K

Pharmacy benefit estimate

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

$115.2M/ year

Estimated prescription spend: 48,581 participants × $2,371 national average per member. Usually higher once dependents are counted.

$3.0M–$7.4M/ year

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

Brands with a generic available$875K–$2.2M
Lower-cost therapeutic alternatives$1.3M–$2.7M
Generic pricing vs. actual cost$553K–$1.7M
PBM contract terms$288K–$864K
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
Chs/community Health Systems, Inc.
Sponsor EIN
76-0137985
Plan numbers
504, 501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 76-0137985 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Chs/community Health Systems, Inc. Retirement Savings Plan
Type
401(k) plan
Participants
93,784

About this data

Source: Chs/community Health Systems, 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 Chs/community Health Systems, Inc..

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