The Chickasaw Nation

ADA, OK ConstructionNAICS 238900

Self-funded health planPlan year 2025Renews January
6,175Participants-37% vs. prior year
$14.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 3Construction in OKBy participants

Overview

The Chickasaw Nation sponsors a self-funded health plan that covered 6,175 participants in plan year 2025, down 37% 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
6,175 · prior year 9,820
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Chickasaw Nation Governmental Enterprises Welfare Benefit Plan, plan 502 (6,175 participants)
Broker compensation
$1.9M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaLife, Long-term disability, Short-term disability6,172$4.5M$146K
Delta DentalDental, PPO4,788$2.6M$26K
Unum Insurance CompanyHospital EE Paid, Group Accident, Critical Illness3,056$2.2M$1.3M
Vision Service PlanVision3,462$587K$41K
Pre-Paid Legal Services Inc. DBA Legal ShieldLegal Services Plan Memberships1,190$209K$44K

Pharmacy benefit estimate

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

$14.6M/ year

Estimated prescription spend: 6,175 participants × $2,371 national average per member. Usually higher once dependents are counted.

$381K–$938K/ year

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

Brands with a generic available$111K–$278K
Lower-cost therapeutic alternatives$163K–$340K
Generic pricing vs. actual cost$70K–$211K
PBM contract terms$37K–$110K
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
The Chickasaw Nation
Sponsor EIN
73-1374986
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 73-1374986 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Chickasaw Nation Governmental Enterprises 401(k) Plan
Type
401(k) plan
Participants
9,634

About this data

Source: The Chickasaw Nation'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 The Chickasaw Nation.

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