Temple University Health System

Philadelphia, PA Health careNAICS 622000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
11,519Participants+6% vs. prior year
$27.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 64Health care in PABy participants

Overview

Temple University Health System sponsors a self-funded health plan that covered 11,519 participants in plan year 2025, up 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
11,519 · prior year 10,874
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Temple University Health System, Inc. Universal Employee Benefits Program, plan 503 (11,519 participants)
Stop-loss carrier
HM Life Insurance Company
Broker compensation
$2.1M across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyAccidental Death and Dismemberment, Accident and Sickness, Life, Long-term disability, Voluntary Short Term Disability, Voluntary Accident Insurance, Voluntary Critical Illness10,921$13.1M$1.1M
Metropolitan Life Insurance CompanyDental, Life17,927$7.5M$927K
HM Life Insurance CompanyStop-loss9,497$1.6M—
Vision Service PlanVision1,812$412K$81K
Starr Indemnity & Liability CompanyAccidental Death and Dismemberment Insur12,900$14K$2K

Pharmacy benefit estimate

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

$27.3M/ year

Estimated prescription spend: 11,519 participants × $2,371 national average per member. Usually higher once dependents are counted.

$710K–$1.8M/ year

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

Brands with a generic available$208K–$519K
Lower-cost therapeutic alternatives$303K–$634K
Generic pricing vs. actual cost$131K–$393K
PBM contract terms$68K–$205K
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
Temple University Health System
Sponsor EIN
23-2825881
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-2825881 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Temple University Health System, Inc. 403(b) Plan
Type
Defined contribution plan
Participants
21,519

About this data

Source: Temple University Health System'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 Temple University Health System.

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