Independence Health System
Overview
Independence Health System sponsors a self-funded health plan that covered 5,205 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
- 5,205 · prior year 5,225
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Independence Health Group Health and Welfare Plan, plan 501 (5,205 participants)
- Stop-loss carrier
- HM Life Insurance Company; HM Life Insurance Company; HM Life Insurance Company
- Broker compensation
- $282K 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 |
|---|---|---|---|---|
| Standard Insurance Company | Life, Long-term disability, Short-term disability | 6,275 | $3.8M | — |
| HM Life Insurance Company | Stop-loss | 2,434 | $1.5M | — |
| Reliastar Life Insurance Company | Accident, Critical Illness, Hospital Ind | 2,143 | $951K | $238K |
| Vision Benefits of America | Vision | 2,793 | $434K | — |
| Trustmark Insurance Company | Short Term Disability, Life | 340 | $156K | $9K |
| Colonial Life & Accident Insurance Company | Short-term disability | 127 | $129K | $15K |
| Humana Insurance Company | Dental, Vision | 215 | $81K | $8K |
| Legalplans, USA | Prepaid Legal | 273 | $41K | $12K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 5,205 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
- Independence Health System
- Sponsor EIN
- 92-1340805
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 92-1340805 in the Department of Labor's EFAST2 Form 5500 search.
About this data
Source: Independence 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 Independence Health System.