Winona Health Services

Winona, MN Health careNAICS 622000

Self-funded health planPlan year 2024Renews October
626ParticipantsFirst year on file
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Oct 2027Next renewalPlan year begins October 1
#42 of 50Health care in MNBy participants

Overview

Winona Health Services sponsors a self-funded health plan that covered 626 participants in plan year 2024. The plan year starts in October. 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
626
Plan year
Begins October 1 · next renewal October 2027
Health plans filed
Winona Health Medical Benefit Plan, plan 503 (626 participants)
Broker compensation
$56K 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
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital797$547K$46K
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability599$317K$7K
Ameritas Life Insurance CorporationVision547$35K$3K

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 626 participants × $2,371 national average per member. Usually higher once dependents are counted.

$39K–$95K/ year

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

Brands with a generic available$11K–$28K
Lower-cost therapeutic alternatives$16K–$34K
Generic pricing vs. actual cost$7K–$21K
PBM contract terms$4K–$11K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning October 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Winona Health Services
Sponsor EIN
41-0713914
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-0713914 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Winona Health Employees' Retirement Plan
Type
401(k) plan
Participants
1,990

About this data

Source: Winona Health Services's Form 5500 filing for plan year 2024 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 Winona Health Services.

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