Erlanger Health

Chattanooga, TN Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
5,785Participants-14% vs. prior year
$13.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#10 of 51Health care in TNBy participants

Overview

Erlanger Health sponsors a self-funded health plan that covered 5,785 participants in plan year 2025, down 14% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
5,785 · prior year 6,724
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Erlanger Health Welfare Benefit Plan, plan 501 (5,785 participants)
Broker compensation
$911K across insured contracts
MedicalLife insuranceDentalVisionShort-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaAccident, Critical Illness, Hospital Ind, Life, Short-term disability, Long-term disability7,528$5.5M$786K
Metropolitan Life Insurance CompanyVision, Life8,842$1.1M$123K
Provident Life and Accident Insurance CompanyLife908$281K$2K
Unum Life Insurance Company of AmericaAccident, Critical Illness, Hospital Ind40$14K$721

Pharmacy benefit estimate

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

$13.7M/ year

Estimated prescription spend: 5,785 participants × $2,371 national average per member. Usually higher once dependents are counted.

$357K–$879K/ year

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

Brands with a generic available$104K–$261K
Lower-cost therapeutic alternatives$152K–$318K
Generic pricing vs. actual cost$66K–$198K
PBM contract terms$34K–$103K
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
Erlanger Health
Sponsor EIN
88-3616696
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 88-3616696 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Erlanger 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 Erlanger Health.

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