Emergent Health Partners

ANN Arbor, MI Health careNAICS 621900

Self-funded health planPlan year 2025Renews January
508Participants+4% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#27 of 27Health care in MIBy participants

Overview

Emergent Health Partners sponsors a self-funded health plan that covered 508 participants in plan year 2025, up 4% 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
508 · prior year 490
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Emergent Health Partners Welfare Benefits Plan, plan 503 (508 participants)
Broker compensation
$76K 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
Lincoln National Life Insurance CompanyAccident, Critical Illness, Life, Long-term disability, Short-term disability508$559K$70K
Unum Life Insurance Company of AmericaLong Term Care212$30K$5K

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 508 participants × $2,371 national average per member. Usually higher once dependents are counted.

$31K–$77K/ year

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

Brands with a generic available$9K–$23K
Lower-cost therapeutic alternatives$13K–$28K
Generic pricing vs. actual cost$6K–$17K
PBM contract terms$3K–$9K
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
Emergent Health Partners
Sponsor EIN
45-2579119
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 45-2579119 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Emergent Health Partners 403(b) Retirement Plan
Type
Defined contribution plan
Participants
1,303

About this data

Source: Emergent Health Partners'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 Emergent Health Partners.

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