Hartford Fire Insurance Company

Hartford, CT Finance & insuranceNAICS 524290

Self-funded health planPlan year 2025Renews January
17,341Participants+1% vs. prior year
$41.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 11Finance & insurance in CTBy participants

Overview

Hartford Fire Insurance Company sponsors a self-funded health plan that covered 17,341 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, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
17,341 · prior year 17,122
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The Hartford Fire Insurance Company Employee Medical and Dental Expense Benefits Plan, plan 501 (17,341 participants); Hartford Fire Insurance Company Health Care Reimbursement Plan, plan 516 (1,372 participants); The Hartford Fire Insurance Company Limited Purpose Flexible Spending Account Plan, plan 522 (113 participants)
MedicalLife insuranceDentalVisionLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Hartford Life and AccidentVoluntary Accident, Voluntary Hospital Indemnity, Life, Critical Illness28,959$22.9M—
Fidelity Security Life Insurance CompanyVision31,104$2.5M—
Hartford Life and Accident Insurance CompanyAccidental Death & Dismemberment15,000$834K—
Hartford Fire Insurance CompanyBusiness Travel Accident22,955$98K—

Pharmacy benefit estimate

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

$41.1M/ year

Estimated prescription spend: 17,341 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.1M–$2.6M/ year

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

Brands with a generic available$312K–$781K
Lower-cost therapeutic alternatives$456K–$954K
Generic pricing vs. actual cost$197K–$592K
PBM contract terms$103K–$308K
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
Hartford Fire Insurance Company
Sponsor EIN
06-0383750
Plan numbers
501, 516, 522
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 06-0383750 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
The Hartford Investment and Savings Plan
Type
401(k) plan
Participants
31,023

About this data

Source: Hartford Fire Insurance Company'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 Hartford Fire Insurance Company.

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