PIH Health

Whittier, CA Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
7,623Participants+3% vs. prior year
$18.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#13 of 68Health care in CABy participants

Overview

PIH Health sponsors a self-funded health plan that covered 7,623 participants in plan year 2025, up 3% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports dental, vision, short-term disability, prepaid legal.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
7,623 · prior year 7,374
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
PIH Health Todays Lifestyle Choices, plan 504 (7,623 participants)
Broker compensation
$871K across insured contracts
MedicalDentalVisionShort-term disabilityPrepaid legalOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unum Insurance CompanyAccident, Critical Illness, Hospital Indemnity2,145$2.0M$603K
Unum Life Insurance Company of AmericaShort-term disability, Group Long Term Care2,676$1.2M$249K
Cigna Health and Life Insurance CompanyDental2,873$479K—
Metropolitan General Insurance CompanyLegal829$186K$19K

Pharmacy benefit estimate

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

$18.1M/ year

Estimated prescription spend: 7,623 participants × $2,371 national average per member. Usually higher once dependents are counted.

$470K–$1.2M/ year

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

Brands with a generic available$137K–$343K
Lower-cost therapeutic alternatives$201K–$419K
Generic pricing vs. actual cost$87K–$260K
PBM contract terms$45K–$136K
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
PIH Health
Sponsor EIN
95-3619388
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 95-3619388 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
PIH Health, Inc. 403(b) Plan
Type
Defined contribution plan
Participants
9,819

About this data

Source: PIH Health'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 PIH Health.

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