St. Luke's Health Network, Inc.

Bethlehem, PA Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
20,284Participants+10% vs. prior year
$48.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 64Health care in PABy participants

Overview

St. Luke's Health Network, Inc. sponsors a self-funded health plan that covered 20,284 participants in plan year 2025, up 10% 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
20,284 · prior year 18,385
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
St. Luke's Health Network, Inc. DBA St. Luke's University Health Network Health and Welfare Plan, plan 511 (20,284 participants)
Broker compensation
$941K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLong-term disability, Life, Voluntary Short Term Disability, Voluntary Critical Illness, Voluntary Accident, Short-term disability, Voluntary Term Life20,284$18.5M$941K
Vision Service PlanVision15,714$2.9M—

Pharmacy benefit estimate

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

$48.1M/ year

Estimated prescription spend: 20,284 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.3M–$3.1M/ year

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

Brands with a generic available$366K–$914K
Lower-cost therapeutic alternatives$534K–$1.1M
Generic pricing vs. actual cost$231K–$693K
PBM contract terms$120K–$361K
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
St. Luke's Health Network, Inc.
Sponsor EIN
23-2384282
Plan number
511
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-2384282 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: St. Luke's Health Network, 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 St. Luke's Health Network, Inc..

Request a correction · Methodology