Dental practices in California
PlanOptica tracks 33 health and welfare plans sponsored by 32 dental practices in California, covering 18,326 participants and $28M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 21 participants, and the most common size is under 100 participants (58% of plans). Most of these plans are self-funded or mixed (64%), so stop-loss and TPA relationships matter as much as the medical carrier.
Kaiser Foundation Health Plan, Inc leads by premium with a 31% share, followed by Life Insurance Company of North America at 16%. Emerson Rogers, LLC is the broker of record on 3 plans, more than any other firm, ahead of Hub International Northeast Limited (2). 45% of plans report broker compensation on Schedule A; the median brokered plan pays $84K a year, about 6.8% of premium. Los Angeles, Irvine and Bakersfield have the most plans.
Funding mix
- Self-funded17 · 52%
- Fully insured12 · 36%
- Mixed4 · 12%
Plan size (participants)
- Under 10019 · 58%
- 100 to 2496 · 18%
- 250 to 4994 · 12%
- 500 to 9991 · 3%
- 1,000 or more3 · 9%
Median plan: 21 participants. Median broker comp: 6.8% of premium across 15 brokered plans.
Top carriers, dental, California
- 1Kaiser Foundation Health Plan, Inc$8.9M6 plans · 31.4%
- 2Life Insurance Company of North America$4.5M1 plans · 15.9%
- 3Anthem Blue Cross Life and Health Insurance Company$2.9M1 plans · 10.3%
- 4Unitedhealthcare Insurance Company$2.8M5 plans · 9.9%
- 5Cigna Health and Life Insurance Company$1.8M1 plans · 6.6%
- 6Californiachoice$1.4M1 plans · 4.9%
- 7California Physicians' Service$817K1 plans · 2.9%
- 8Sutter Health Plan$711K1 plans · 2.5%
- 9Metropolitan Life Insurance Company$639K4 plans · 2.3%
- 10Blue Cross of California$594K2 plans · 2.1%
Top brokers, dental, California
- 1Emerson Rogers, LLC3 plans$3K comp · 20.0%
- 2Hub International Northeast Limited2 plans$165K comp · 13.3%
- 3Amwins Connect Insurance2 plans$51K comp · 13.3%
- 4Centerstone Insurance and Financial2 plans$15K comp · 13.3%
- 5J.D. Allman, Inc1 plans$243K comp · 6.7%
- 6Infinity Assurance Group1 plans$221K comp · 6.7%
- 7Custom Benefit Consultants Inc1 plans$202K comp · 6.7%
- 8Arizona Benefit Plans, Inc1 plans$108K comp · 6.7%
- 9Gallagher Benefit Services Inc1 plans$98K comp · 6.7%
- 10Verus Insurance Services, LLC1 plans$94K comp · 6.7%
Largest dental practices in California
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Onesmile, LLC Onesmile Welfare Benefits PlanAll plans | Irvine | Mixed | 6,423 | $6.7M | Life Insurance Company of North America |
| Western Dental Services, Inc Western Dental Services, Inc. Welfare Benefits PlanAll plans | Orange | Fully insured | 5,353 | $5.0M | Kaiser Foundation Health Plan Inc |
| James R. Glidewell Dental Ceramics, Inc James R. Glidewell Dental Ceramics, Inc. Employee Benefit PlanAll plans | Newport Beach | Mixed | 3,360 | $3.4M | Anthem Life Insurance Company |
| West Coast Dental Services, Inc West Coast Dental Services, Inc. Welfare Benefits PlanAll plans | Los Angeles | Fully insured | 895 | $2.0M | Unitedhealthcare Insurance Company |
| Straine Dental Management, LLC Straine Dental Management, LLC Health and Welfare PlanAll plans | Sacramento | Fully insured | 335 | $1.8M | Cigna Health and Life Insurance Company |
| Activcare Living Dental Plan Activcare Living Dental PlanAll plans | San Diego | Fully insured | 299 | $90K | Principal Life Insurance Company |
| Clinica Monsenor Oscar A. Romero Clinica Monsenor Oscar A. Romero Wrap PlanAll plans | Los Angeles | Fully insured | 263 | $2.1M | Kaiser Foundation Health Plan Inc |
| Reeves Lavalley Reeves Lavalley Welfare Benefits PlanAll plans | Rancho Cordova | Fully insured | 263 | $1.6M | California Choice |
| Children's Dental Funzone Children's Dental Funzone Health & Welfare Benefit PlanAll plans | West Covina | Fully insured | 201 | $1.5M | Kaiser Foundation Health Plan Inc |
| OH, DMD, Inc Saekyu OH, MDAll plans | Bakersfield | Mixed | 175 | $44K | The Lincoln National Life Insurance Company |
| Fuller Management Fuller ManagementAll plans | Culver City | Fully insured | 158 | $521K | Unitedhealthcare Insurance Company |
| Capital Dental Group Dba Capital Dental Group Capital Dental Group Dba Capital Dental Group Welfare Benefit PlanAll plans | Bakersfield | Mixed | 139 | $893K | Blue Cross of California |
| Dientes Community Dental Care Dientes Community Dental Care Health and Welfare PlanAll plans | Santa Cruz | Fully insured | 110 | $1.1M | Sutter Health Plan |
| Elias, Elliott, Lampasi, Fehn, Harris & Nguyen, a Dental Corporation Elias, Elliott, Lampasi, Fehn, Harris & Nguyen, a Dental Corporation, Inc. Employee Benefits PlanAll plans | Riverside | Fully insured | 105 | $506K | Unitedhealthcare Insurance Company |
| Keating Dental Arts, Inc Keating Dental Arts Health and Welfare PlanAll plans | Irvine | Fully insured | 99 | $840K | California Physicians Service |
Showing 15 of 32 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in California
- Los Angeles3 plans · 1,162 participants
- Irvine2 plans · 6,522 participants
- Bakersfield2 plans · 314 participants
- Riverside2 plans · 139 participants
- Cupertino2 plans · 9 participants
- Encino2 plans · 8 participants
- Orange1 plans · 5,353 participants
- Newport Beach1 plans · 3,360 participants
- Sacramento1 plans · 335 participants
- San Diego1 plans · 299 participants
- Rancho Cordova1 plans · 263 participants
- West Covina1 plans · 201 participants
Frequently asked questions
How many dental practices in California offer an ERISA health plan?
33 health and welfare plans from 32 dental practices in California appear in plan year 2024 to 2025 filings on Form 5500, covering 18,326 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 dental practices in California?
By Schedule A premium: Kaiser Foundation Health Plan, Inc (31% of premium, 6 plans), Life Insurance Company of North America (16% of premium, 1 plan) and Anthem Blue Cross Life and Health Insurance Company (10% of premium, 1 plan).
Which benefits brokers work with dental practices in California?
By number of client plans: Emerson Rogers, LLC (3 plans), Hub International Northeast Limited (2 plans) and Amwins Connect Insurance (2 plans). 45% of plans report a broker.
How much do brokers earn on dental practices health plans in California?
The median brokered plan reports $84K a year in broker commissions and fees, or 6.8% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in California self-funded or fully insured?
Self-funded 52%, fully insured 36% and mixed 12%. Self-funded and mixed plans together make up 64%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery.
Prospect dental practices in California
Open the welfare search with California and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Dental in nearby states
Other healthcare specialties in California
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery. Location is the sponsor's filing address in California.