Hawaii Pacific Health

Honolulu, HI Health careNAICS 622000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
6,288Participants+1% vs. prior year
$14.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Health care in HIBy participants

Overview

Hawaii Pacific Health sponsors a self-funded health plan that covered 6,288 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
6,288 · prior year 6,256
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Health & Welfare Benefits Plan for Employees of Hawaii Pacific Health, plan 515 (6,288 participants)
Stop-loss carrier
Hawaii Medical Service Association
Broker compensation
$368K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilitySeveranceOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Hawaii Dental ServiceDental12,319$5.7M$171K
Hawaii Medical Service AssociationStop-loss12,211$3.6M—
Metropolitan Life Insurance CompanyLong-term disability, Life8,199$2.6M$196K

Pharmacy benefit estimate

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

$14.9M/ year

Estimated prescription spend: 6,288 participants × $2,371 national average per member. Usually higher once dependents are counted.

$388K–$956K/ year

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

Brands with a generic available$113K–$283K
Lower-cost therapeutic alternatives$165K–$346K
Generic pricing vs. actual cost$72K–$215K
PBM contract terms$37K–$112K
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
Hawaii Pacific Health
Sponsor EIN
99-0246363
Plan number
515
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 99-0246363 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Hawai'i Pacific Health 403(b) Savings Plan
Type
Defined contribution plan
Participants
10,530

About this data

Source: Hawaii Pacific 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 Hawaii Pacific Health.

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