Our Health Insurance LLC

Philadelphia, PA Finance & insuranceNAICS 524210

Self-funded health planPlan year 2025Renews January
663Participants+24% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#30 of 34Finance & insurance in PABy participants

Overview

Our Health Insurance LLC sponsors a self-funded health plan that covered 663 participants in plan year 2025, up 24% from the prior year. The plan year starts in January.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
663 · prior year 533
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Our Health Insurance LLC Benefit Plan, plan 502 (663 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$101K across insured contracts
Medical

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaStop-loss663$1.2M$101K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 663 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$101K/ year

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

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$17K–$36K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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
Our Health Insurance LLC
Sponsor EIN
87-3978093
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 87-3978093 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Our Health Insurance LLC'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 Our Health Insurance LLC.

Request a correction · Methodology