Community Health of South Florida, Inc.

Miami, FL Health careNAICS 621498

Self-funded health planPlan year 2025Renews January
675Participants+6% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#69 of 89Health care in FLBy participants

Overview

Community Health of South Florida, Inc. sponsors a self-funded health plan that covered 675 participants in plan year 2025, up 6% 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
675 · prior year 639
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Community Health of South Florida Health and Welfare Plan, plan 501 (675 participants)
Stop-loss carrier
HCC Life Insurance Company
Broker compensation
$237K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
HCC Life Insurance CompanyStop-loss364$601K$30K
Unum Life Insurance Company of AmericaLifestyle AD&D, Lifestyle Life, Life, Short-term disability, Long-term disability, Voluntary Accident675$542K$75K
The Guardian Life Insurance Company of AmericaDental, Vision375$265K$51K
Continental American Insurance CompanyVoluntary Worksite223$97K$53K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 675 participants × $2,371 national average per member. Usually higher once dependents are counted.

$42K–$103K/ year

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

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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
Community Health of South Florida, Inc.
Sponsor EIN
59-1372690
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-1372690 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
401(k) Profit Sharing Plan for Employees of Community Health of South Florida, Inc.
Type
Defined contribution plan
Participants
1,336

About this data

Source: Community Health of South Florida, 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 Community Health of South Florida, Inc..

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