HF Sinclair
Overview
HF Sinclair sponsors a self-funded health plan that covered 4,426 participants in plan year 2025, up 10% from 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
- 4,426 · prior year 4,042
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- HF Sinclair Group Welfare Benefits Plan, plan 510 (4,426 participants)
- Broker compensation
- $455K 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 |
|---|---|---|---|---|
| Prudential Insurance Company of America | Life, Long-term disability | 6,303 | $7.0M | $310K |
| Cigna Health and Life Insurance Company | Hospital, Critical Illness, Accident | 3,926 | $995K | — |
| Vision Service Plan | Vision | 3,470 | $825K | $41K |
| Federal Insurance Company | Business Travel Accident, Accidental Dea | 3,926 | $691K | $104K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 4,426 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
- HF Sinclair
- Sponsor EIN
- 87-2092143
- Plan number
- 510
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 87-2092143 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- HF Sinclair Corporation 401(k) Retirement Savings Plan
- Type
- 401(k) plan
- Participants
- 5,027
About this data
Source: HF Sinclair'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 HF Sinclair.