Westchester County Health Care Corporation

Valhalla, NY Health careNAICS 622000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
4,838Participants+5% vs. prior year
$11.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#15 of 137Health care in NYBy participants

Overview

Westchester County Health Care Corporation sponsors a self-funded health plan that covered 4,838 participants in plan year 2025, up 5% 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
4,838 · prior year 4,589
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
WMC Health and Welfare Wrap Benefit Plan, plan 501 (4,838 participants)
Broker compensation
$1.0M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability4,838$4.0M$513K
Metropolitan Life Insurance CompanyDental, HMO2,535$661K$63
Lincoln Life and Annuity Company of New YorkCritical Illness1,658$502K$281K
Aetna Life Insurance Co.Accident, Hospital4,184$474K$244K
MetLife (superior Vision)Vision4,838——
Aetna Behavioral Health, LLCEmployee Assistance Program4,838——

Pharmacy benefit estimate

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

$11.5M/ year

Estimated prescription spend: 4,838 participants × $2,371 national average per member. Usually higher once dependents are counted.

$298K–$735K/ year

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

Brands with a generic available$87K–$218K
Lower-cost therapeutic alternatives$127K–$266K
Generic pricing vs. actual cost$55K–$165K
PBM contract terms$29K–$86K
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
Westchester County Health Care Corporation
Sponsor EIN
13-3694321
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-3694321 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Westchester County Health Care Corporation'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 Westchester County Health Care Corporation.

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