Valley Health Systems, Inc.

Holyoke, MA Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
1,351Participants+3% vs. prior year
$3.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#21 of 40Health care in MABy participants

Overview

Valley Health Systems, Inc. sponsors a self-funded health plan that covered 1,351 participants in plan year 2025, up 3% 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
1,351 · prior year 1,312
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Valley Health Systems, Inc. Employee Benefits Plan, plan 502 (1,351 participants); Valley Health Systems, Inc. Flexible Spending Plan, plan 510 (479 participants)
Broker compensation
$38K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Prudential Insurance Company of AmericaLife, Long-term disability1,353$743K$34K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision1,714$100K—
Life Insurance Company of North AmericaBusiness Travel Accident1,242—$3

Pharmacy benefit estimate

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

$3.2M/ year

Estimated prescription spend: 1,351 participants × $2,371 national average per member. Usually higher once dependents are counted.

$83K–$205K/ year

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

Brands with a generic available$24K–$61K
Lower-cost therapeutic alternatives$36K–$74K
Generic pricing vs. actual cost$15K–$46K
PBM contract terms$8K–$24K
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
Valley Health Systems, Inc.
Sponsor EIN
22-2520073
Plan numbers
502, 510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 22-2520073 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Holyoke Medical Center, Inc. 403(b) Retirement Plan
Type
Defined contribution plan
Participants
2,515

About this data

Source: Valley Health Systems, 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 Valley Health Systems, Inc..

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