Empath Health
Overview
Empath Health sponsors a self-funded health plan that covered 2,189 participants in plan year 2025, up 2% 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
- 2,189 · prior year 2,139
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Empath Health Employee Welfare Benefits Plan, plan 501 (2,189 participants)
- Broker compensation
- $560K 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 |
|---|---|---|---|---|
| Guardian Life Insurance Company | Dental, Vision, Life, Short-term disability, Long-term disability | 2,146 | $3.9M | $473K |
| American Heritage Life Insurance Company | Life | 139 | $148K | $71K |
| U.S. Legal Services, Inc. | Legal | 419 | $83K | $16K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 2,189 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
- Empath Health
- Sponsor EIN
- 26-3605761
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 26-3605761 in the Department of Labor's EFAST2 Form 5500 search.
About this data
Source: Empath 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 Empath Health.