General Motors LLC

Detroit, MI ManufacturingNAICS 336100

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
97,566Participants-2% vs. prior year
$231.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 138Manufacturing in MIBy participants

Overview

General Motors LLC sponsors a self-funded health plan that covered 97,566 participants in plan year 2025, down 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
97,566 · prior year 99,957
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
General Motors Health Care Program for Hourly Rate Employees, plan 525 (97,566 participants); General Motors Health Care Program for Salaried Employees, plan 524 (50,993 participants); General Motors Health Care Reimbursement Plan for Salaried Employees, plan 518 (1,879 participants); GM Subsystems Manufacturing Health Care Plan for Hourly Employees, plan 535 (0 participants)
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-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 CompanyADD, Life, Long-term disability, Short-term disability327,029$462.1M—
Blue Care Network of MichiganHMO3,559$39.2M—
Health Alliance PlanHMO2,167$23.3M—

Pharmacy benefit estimate

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

$231.3M/ year

Estimated prescription spend: 97,566 participants × $2,371 national average per member. Usually higher once dependents are counted.

$6.0M–$14.8M/ year

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

Brands with a generic available$1.8M–$4.4M
Lower-cost therapeutic alternatives$2.6M–$5.4M
Generic pricing vs. actual cost$1.1M–$3.3M
PBM contract terms$578K–$1.7M
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
General Motors LLC
Sponsor EIN
27-0383222
Plan numbers
525, 524, 518, 535
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 27-0383222 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
The General Motors Personal Savings Plan for Hourly-Rate Employees in the United States
Type
401(k) plan
Participants
71,495

About this data

Source: General Motors LLC'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 General Motors LLC.

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