HCA Inc.
Overview
HCA Inc. sponsors a self-funded health plan that covered 310,904 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, short-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 310,904 · prior year 308,898
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- HCA Inc. Health and Welfare Benefits Plan, plan 550 (310,904 participants); Employee Health & Safety Benefit Plan, plan 511 (88,140 participants); HCA Essential Plan, plan 599 (266 participants)
- Stop-loss carrier
- Sun Life Assurance Company of Canada
- Broker compensation
- $2.9M 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 |
|---|---|---|---|---|
| Hartford Life and Accident | Life, Short-term disability, Long-term disability | 217,594 | $96.2M | $1.5M |
| Aetna Health, Inc. | HMO | 4,615 | $31.2M | — |
| UnitedHealthcare Insurance Company | Critical Illness, Accident Protection, Hosp, Critical Illness, Accident Protect | 47,307 | $19.0M | $524K |
| Sun Life Assurance Company of Canada | Stop-loss | 193,821 | $18.6M | $613K |
| Eyemed Vision Care | Vision | 293,927 | $17.3M | — |
| United Behavioral Health DBA Optum | Medical | 312,494 | $8.6M | — |
| Hartford Life & Accident | Accidental Death and Dismemberment | 216,618 | $5.3M | $51K |
| Cigna Health and Life Insurance Company | Medical, Dental | 10,010 | $4.2M | $62K |
| Delta Dental of Tennessee | Dental | 2,528 | $2.6M | $25K |
| Legalaccess | Pre-Paid Legal | 24,336 | $1.9M | — |
| Humanadental Insurance Company | Dental, HMO | 10,048 | $1.7M | $17K |
| Transamerica Life Insurance Company | Life | 2,346 | $1.3M | $581 |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 310,904 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
- HCA Inc.
- Sponsor EIN
- 75-2497104
- Plan numbers
- 550, 511, 599
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 75-2497104 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- HCA 401(k) Plan
- Type
- 401(k) plan
- Participants
- 394,855
About this data
Source: HCA Inc.'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 HCA Inc..