QVC, Inc.

West Chester, PA RetailNAICS 454110

Self-funded health planPlan year 2025Renews January
11,828Participants-5% vs. prior year
$28.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 33Retail in PABy participants

Overview

QVC, Inc. sponsors a self-funded health plan that covered 11,828 participants in plan year 2025, down 6% 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
11,828 · prior year 12,514
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
QVC Group Master Welfare Plan, plan 502 (11,828 participants)
Stop-loss carrier
HM Life Insurance Company; HM Life Insurance Company
Broker compensation
$776K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of PennsylvaniaDental12,187$4.4M—
Kaiser Foundation Health Plan Inc.Medical, Prescription drug559$3.4M$36K
Metropolitan Life Insurance CompanyLife9,136$2.8M$218K
HM Life Insurance CompanyStop-loss3,957$2.2M—
Life Insurance Company of North AmericaLong-term disability, Life7,988$1.7M$99K
Reliastar Life Insurance CompanyACC, CI, HI3,958$1.5M$399K
EyemedVision10,520$818K$20K
Health Advocate Solutions, Inc.EAP and Core Services20,113$292K—
New York Life Group Insurance Company of New YorkShort-term disability55$28K$702
National Union Fire Ins. Co. of Pittsburgh, PAAccidental Death & Dismemberment9,332$8K$2K

Pharmacy benefit estimate

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

$28.0M/ year

Estimated prescription spend: 11,828 participants × $2,371 national average per member. Usually higher once dependents are counted.

$729K–$1.8M/ year

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

Brands with a generic available$213K–$533K
Lower-cost therapeutic alternatives$311K–$651K
Generic pricing vs. actual cost$135K–$404K
PBM contract terms$70K–$210K
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
QVC, Inc.
Sponsor EIN
23-2414041
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-2414041 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Qurate Retail Group 401(k)retirement Savings Plan for QVC and HSN
Type
401(k) plan
Participants
9,124

About this data

Source: QVC, 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 QVC, Inc..

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