Kaiser Foundation Health Plan, Inc.

Oakland, CA Health careNAICS 621491

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
34,951Participants+7% vs. prior year
$82.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 68Health care in CABy participants

Overview

Kaiser Foundation Health Plan, Inc. sponsors a self-funded health plan that covered 34,951 participants in plan year 2025, up 7% 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
34,951 · prior year 32,671
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Kaiser Foundation Health Plan, Inc. Health Care Spending Account Plan, plan 590 (34,951 participants); Kaiser Foundation Health Plan, Inc. Retiree Medical Health Reimbursement Account Plan, plan 585 (8,225 participants)
Broker compensation
$3.1M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Kaiser Foundation Health Plan, Inc.Medical, HMO127,718$2.2B—
Kaiser Foundation Health Plan of the NorthwestMedical, HMO11,556$336.0M—
Kaiser Foundation Health Inc.Medical, HMO22,496$169.1M—
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.Medical, HMO18,357$167.2M—
Delta Dental of CaliforniaDental214,991$113.9M—
Kaiser Foundation Health Plan of ColoradoMedical, HMO7,437$91.5M—
Metropolitan Life Insurance CompanyLife, Short-term disability, Long-term disability, BTA175,955$86.1M—
Kaiser Foundation Health Plan of Colorado,inc.Medical, HMO4,049$38.3M—
Kaiser Foundation Health Plan of Colorado,incMedical, HMO2,338$20.5M—
Kaiser Foundation Health Plan Inc.Medical, HMO105$10.0M$48K
Transamerica Life Insurance CompanyLong Term Care2,139$10.0M$693K
Kaiser Foundation Health Plan of WashingtonMedical, HMO397$7.3M—

Pharmacy benefit estimate

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

$82.9M/ year

Estimated prescription spend: 34,951 participants × $2,371 national average per member. Usually higher once dependents are counted.

$2.2M–$5.3M/ year

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

Brands with a generic available$630K–$1.6M
Lower-cost therapeutic alternatives$920K–$1.9M
Generic pricing vs. actual cost$398K–$1.2M
PBM contract terms$207K–$622K
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
Kaiser Foundation Health Plan, Inc.
Sponsor EIN
94-1340523
Plan numbers
590, 585
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 94-1340523 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kaiser Permanente Retirement Plan
Type
Pension plan
Participants
209,460

About this data

Source: Kaiser Foundation Health Plan, 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 Kaiser Foundation Health Plan, Inc..

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