Delta Air Lines, Inc.

Atlanta, GA Transportation & logisticsNAICS 481000

Self-funded health planPlan year 2025Renews January
13,127Participants-1% vs. prior year
$31.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 13Transportation & logistics in GABy participants

Overview

Delta Air Lines, Inc. sponsors a self-funded health plan that covered 13,127 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
13,127 · prior year 13,257
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Delta Retiree Medical Account Plan, plan 549 (13,127 participants); Delta Air Lines, Inc. Medical Premium Reimbursement Plan, plan 542 (9,277 participants); Northwest Airlines, Inc. Group Medical Plan, plan 547 (880 participants)
Broker compensation
$895K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyLife, Short-term disability134,596$130.2M$895K
Fidelity Security Life Insurance CompanyVision154,753$10.2M—
Ace American Insurance CompanyAccidental Death & Dismemberment104,710$10.1M—
Kaiser Foundation Health Plan, Inc.Medical, Prescription drug, Dental, Vision453$3.6M—

Pharmacy benefit estimate

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

$31.1M/ year

Estimated prescription spend: 13,127 participants × $2,371 national average per member. Usually higher once dependents are counted.

$809K–$2.0M/ year

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

Brands with a generic available$237K–$591K
Lower-cost therapeutic alternatives$345K–$722K
Generic pricing vs. actual cost$149K–$448K
PBM contract terms$78K–$233K
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
Delta Air Lines, Inc.
Sponsor EIN
58-0218548
Plan numbers
549, 542, 547
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-0218548 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Delta 401(k) Retirement Plan
Type
401(k) plan
Participants
112,027

About this data

Source: Delta Air Lines, 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 Delta Air Lines, Inc..

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