Cottage Health
Overview
Cottage Health sponsors a self-funded health plan that covered 4,346 participants in plan year 2025, up 5% 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
- 4,346 · prior year 4,152
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Cottage Health Employee Benefit Plan, plan 501 (4,346 participants)
- Broker compensation
- $561K 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 |
|---|---|---|---|---|
| Reliance Standard Life Insurance Company | Long-term disability, Accidental Death and Dismemberment, Life, Short-term disability | 4,300 | $3.9M | $531K |
| Vision Service Plan | Vision | 3,413 | $657K | — |
| Metropolitan General Insurance Company | Legal | 694 | $252K | $30K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 4,346 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
- Cottage Health
- Sponsor EIN
- 77-0431902
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 77-0431902 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Cottage Health Pension Plan
- Type
- Pension plan
- Participants
- 5,629
About this data
Source: Cottage Health'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 Cottage Health.