Behavioral and mental health providers in Minnesota
PlanOptica tracks 36 health and welfare plans sponsored by 28 behavioral and mental health providers in Minnesota, covering 100,815 participants and $110M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 175 participants, and the most common size is 100 to 249 participants (64% of plans). The funding mix is split: 50% of plans are self-funded or mixed and the rest are mainly fully insured.
Prudential Insurance Company of America dominates premium with a 62% share, followed by Medica Insurance Company at 10%. Marsh & McLennan Agency LLC is the broker of record on 12 plans, more than any other firm, ahead of Gallagher Benefit Services, Inc (11). 97% of plans report broker compensation on Schedule A; the median brokered plan pays $42K a year, about 7.6% of premium. Saint Paul, Rochester and Fergus Falls have the most plans.
Funding mix
- Fully insured18 · 50%
- Mixed17 · 47%
- Self-funded1 · 3%
Plan size (participants)
- Under 1004 · 11%
- 100 to 24923 · 64%
- 250 to 4993 · 8%
- 500 to 9991 · 3%
- 1,000 or more5 · 14%
Median plan: 175 participants. Median broker comp: 7.6% of premium across 35 brokered plans.
Top carriers, behavioral health, Minnesota
- 1Prudential Insurance Company of America$68M2 plans · 62.0%
- 2Medica Insurance Company$12M8 plans · 10.4%
- 3Blue Cross and Blue Shield of Minnesota and Blue Plus$8.0M4 plans · 7.3%
- 4Fidelity Security Life Insurance Company$6.4M1 plans · 5.8%
- 5Unitedhealthcare Insurance Company$4.2M2 plans · 3.8%
- 6Arag Insurance Company$3.7M1 plans · 3.4%
- 7United of Omaha Life Insurance Company$1.6M8 plans · 1.4%
- 8Standard Insurance Company$1.1M3 plans · 1.0%
- 9Delta Dental of Minnesota$1.0M7 plans · 0.9%
- 10Lincoln National Life Insurance Company$885K1 plans · 0.8%
Top brokers, behavioral health, Minnesota
- 1Marsh & McLennan Agency LLC12 plans$530K comp · 34.3%
- 2Gallagher Benefit Services, Inc11 plans$309K comp · 31.4%
- 3Usi Insurance Services LLC7 plans$423K comp · 20.0%
- 4Brown & Brown Strategic Non-Medical3 plans$2.2M comp · 8.6%
- 5The Horton Group3 plans$60K comp · 8.6%
- 6Holmes, Murphy & Associates, LLC2 plans$122K comp · 5.7%
- 7Lockton Companies LLC2 plans$62K comp · 5.7%
- 8Kenneth J. Longtin2 plans$6K comp · 5.7%
- 9Assuredpartners Great Plains LLC2 plans$5K comp · 5.7%
- 10Oci Insurance & Financial Services2 plans$4K comp · 5.7%
Largest behavioral and mental health providers in Minnesota
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Mayo Clinic Mayo Clinic Health & Welfare Benefits PlanAll plans | Rochester | Mixed | 86,692 | $79M | Prudential Insurance Company of America |
| Nystrom & Associates, Ltd Nystrom & Associates, Ltd. Health and Welfare PlanAll plans | New Brighton | Mixed | 1,770 | $1.1M | United of Omaha Life Insurance Company |
| Hazelden Betty Ford Foundation Hazelden Betty Ford Foundation Welfare PlanAll plans | Center City | Mixed | 1,215 | $1.1M | The Lincoln National Life Insurance Company |
| Accanto Health, LLC Accanto Health, LLC Group Benefits PlanAll plans | Saint Paul | Mixed | 1,147 | $781K | Standard Insurance Company |
| Meridian Behavioral Health, LLC Meridian Behavioral Health,llc Welfare BenefitsAll plans | New Brighton | Mixed | 516 | $441K | Life Insurance Company of North America |
| Solutions Behavioral Healthcare Professionals Solutions Behavioral Healthcare Professionals Health and Welfare PlanAll plans | Moorhead | Fully insured | 272 | $2.1M | Medica Insurance Company |
| The Emily Program, P.C The Emily Program, P.C. Group Benefits Wrap PlanAll plans | Saint Paul | Mixed | 262 | $205K | Delta Dental of California |
| Northland Counseling Center, Inc Northland Counseling Center, Inc. Health & Welfare PlanAll plans | Grand Rapids | Mixed | 235 | $2.5M | Blue Cross of California |
| Human Development Center Human Development Center Welfare Benefit PlanAll plans | Duluth | Mixed | 234 | $187K | Unum Life Insurance Company of America |
| Touchstone Mental Health Touchstone Mental Health Welfare Benefit PlanAll plans | Minneapolis | Fully insured | 224 | $1.7M | Medica Insurance Company |
| Associated Clinic of Psychology, Inc Associated Clinic of Psychology, Inc. Comprehensive Health & Welfare Benefits PlanAll plans | St. Louis Park | Fully insured | 221 | $2.5M | Medica Insurance Company |
| Mental Health Resources, Inc Mental Health Resources, Inc. Health & Welfare Benefits PlanAll plans | St. Paul | Mixed | 211 | $428K | Healthpartners Insurance Company |
| Zumbro Valley Health Center, Inc Zumbro Valley Health Center Health and Welfare PlanAll plans | Rochester | Fully insured | 209 | $3.2M | Blue Cross of California |
| Guild Guild Health and Welfare Benefits PlanAll plans | Saint Paul | Fully insured | 199 | $2.1M | Unitedhealthcare Insurance Company |
| Woodland Centers Woodland Centers Health and Welfare PlanAll plans | Willmar | Mixed | 188 | $147K | Life Insurance Company of North America |
Showing 15 of 28 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Minnesota
- Saint Paul5 plans · 2,095 participants
- Rochester3 plans · 91,327 participants
- Fergus Falls3 plans · 440 participants
- Virginia3 plans · 328 participants
- New Brighton2 plans · 2,286 participants
- Duluth2 plans · 368 participants
- St. Paul2 plans · 300 participants
- Crookston2 plans · 150 participants
- Center City1 plans · 1,215 participants
- Moorhead1 plans · 272 participants
- Grand Rapids1 plans · 235 participants
- Minneapolis1 plans · 224 participants
Frequently asked questions
How many behavioral and mental health providers in Minnesota offer an ERISA health plan?
36 health and welfare plans from 28 behavioral and mental health providers in Minnesota appear in plan year 2024 to 2025 filings on Form 5500, covering 100,815 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Minnesota?
By Schedule A premium: Prudential Insurance Company of America (62% of premium, 2 plans), Medica Insurance Company (10% of premium, 8 plans) and Blue Cross and Blue Shield of Minnesota and Blue Plus (7% of premium, 4 plans).
Which benefits brokers work with behavioral and mental health providers in Minnesota?
By number of client plans: Marsh & McLennan Agency LLC (12 plans), Gallagher Benefit Services, Inc (11 plans) and Usi Insurance Services LLC (7 plans). 97% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Minnesota?
The median brokered plan reports $42K a year in broker commissions and fees, or 7.6% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Minnesota self-funded or fully insured?
Fully insured 50%, mixed 47% and self-funded 3%. Self-funded and mixed plans together make up 50%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Minnesota
Open the welfare search with Minnesota and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Behavioral health in nearby states
Other healthcare specialties in Minnesota
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Minnesota.