Henry Ford Health System
Overview
Henry Ford Health System sponsors a self-funded health plan that covered 44,624 participants in plan year 2025, up 5% 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
- 44,624 · prior year 42,560
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Henry Ford Health System Welfare Benefit Plans, plan 507 (44,624 participants)
- Broker compensation
- $3.1M 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 |
|---|---|---|---|---|
| Life Insurance Company of North America | Accidental Death, Short-term disability, Long-term disability, Life | 39,188 | $47.3M | — |
| Reliastar Life Insurance Company | Accident Voluntary, Critical Illness, Ho | 21,807 | $5.9M | $1.9M |
| Unum Life Insurance Company of America | Long-term disability | 2,013 | $4.3M | $206K |
| Provident Life & Accident Insurance Company | Long-term disability | 1,214 | $2.4M | $781K |
| Arag Insurance Company | Legal | 16,328 | $1.6M | $205K |
| Vision Service Plan | Vision | 2,225 | $297K | — |
| Health Alliance Plan | Medical, Prescription drug, HMO | 68 | $35K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 44,624 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
- Henry Ford Health System
- Sponsor EIN
- 38-1357020
- Plan number
- 507
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-1357020 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Henry Ford Health System Ambassador 403(b) Plan
- Type
- 401(k) plan
- Participants
- 45,000
About this data
Source: Henry Ford Health System'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 Henry Ford Health System.