Health and welfare plans · All states

Orthopedic practices and surgery centers by state

PlanOptica tracks 446 health and welfare plans sponsored by 409 orthopedic practices and surgery centers in the United States, covering 124,473 participants and $412M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 123 participants, and the most common size is under 100 participants (45% of plans). Most of these plans are self-funded or mixed (67%), so stop-loss and TPA relationships matter as much as the medical carrier.

Blue Cross Blue Shield of Texas leads by premium with a 28% share, followed by Cigna Health and Life Insurance Company at 9%. Gallagher Benefit Services, Inc is the broker of record on 32 plans, more than any other firm, ahead of Hub International Midwest Limited (26). 58% of plans report broker compensation on Schedule A; the median brokered plan pays $56K a year, about 7.9% of premium. GA, MO and FL have the most plans of any state.

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446

Employer health plans

124,473

Participants

$56K

Median broker comp

67%

Self-funded or mixed

Funding mix

Self-funded
181 · 41%
Fully insured
133 · 30%
Mixed
120 · 27%
MEWA
10 · 2%
Unknown
2 · 0%

Plan size (participants)

Under 100
199 · 45%
100 to 249
137 · 31%
250 to 499
66 · 15%
500 to 999
27 · 6%
1,000 or more
17 · 4%

Median plan: 123 participants. Median broker comp: 7.9% of premium across 260 brokered plans.

Top carriers, orthopedics and surgery centers, the U.S.

share of premium

Top brokers, orthopedics and surgery centers, the U.S.

share of brokered plans

Largest orthopedic practices and surgery centers nationally

by participants

Employer / plan	Location	Funding	Participants	Premium	Primary carrier
United Surgical Partners, Intl United Surgical Partners, IntlAll plans	Dallas, TX	Mixed	15,312	$8.8M	Unum Life Insurance Company of America
Surgical Care Affiliates, LLC Surgical Care Affiliates, LLC Welfare Benefit PlanAll plans	Birmingham, AL	Mixed	11,836	$12M	Blue Cross of California
Envision Healthcare Operating, Inc Envision Healthcare Operating, Inc. Welfare Benefit PlanAll plans	Nashville, TN	MEWA	10,815	$20M	Life Insurance Company of North America
The Center for Orthopedic and Research Excellence, Inc The Core Institute Group Benefit PlanAll plans	Phoenix, AZ	Mixed	2,273	$1.3M	Reliance Standard Life Insurance Company
Amsurg, LLC Amsurg LLC Welfare Benefit PlanAll plans	Nashville, TN	MEWA	2,245	$8.0M	Cigna Health and Life Insurance Company
Professional Firefighters of Eastern Missouri Iaf Local 2665 Professional Firefighters of Eastern Missouri, International Association of Firefighters Local 26 Health and Welfare Trust FundAll plans	St. Peters, MO	Fully insured	1,985	$7.1M	Health Net
Musculoskeletal Institute Inc. Florida Orthopaedic Institute Foi, Osm and Toc Ancillary PlansAll plans	Temple Terrace, FL	MEWA	1,778	$2.3M	Standard Insurance Company
The Centers for Advanced Orthopaedics The Centers for Advanced Orthopaedics Welfare Benefit PlanAll plans	Bethesda, MD	Mixed	1,680	$2.3M	Transamerica Life Insurance Company
Tennessee Orthopaedic Alliance P.A Tennessee Orthopaedic Alliance Employee Benefits PlanAll plans	Brentwood, TN	Mixed	1,381	$2.5M	Symetra Life Insurance Company
Reconstructive Orthopaedic Associates II, P.C Reconstructive Orthopaedic Associates II, P.C. Benefits PlanAll plans	Philadelphia, PA	Fully insured	1,275	$17M	Blue Cross of California
Ons Mso, LLC Dba Spire Orthopedic Partners Ons Mso, LLC Dba Spire Orthopedic Partners Welfare Benefits PlanAll plans	Stamford, CT	MEWA	1,149	$12M	Cigna Health and Life Insurance Company
Orthopaedic Solutions Management Orthopaedic Solutions Management Employee Benefits PlanAll plans	Tampa, FL	Fully insured	1,141	$2.7M	Capital Advantage Assurance Company
Orthopedic Specialist of North America PLLC Orthopedic Specialist of North America PLLC Employee Benefits PlanAll plans	Phoenix, AZ	Fully insured	1,081	$2.6M	Reliastar Life Insurance Company
Orthopaedics-Indianapolis LLC Orthopaedics-Indianapolis, Inc. Welfare Benefit PlanAll plans	Indianapolis, IN	Mixed	1,054	$1.5M	The Lincoln National Life Insurance Company
Summit Orthopedics, Ltd Summit Health and Welfare PlanAll plans	Woodbury, MN	Mixed	1,046	$1.6M	Reliance Standard Life Insurance Company

Showing 15 of 409 employers. Filter the full list by size, funding, carrier and broker.

Plans by state

Frequently asked questions

How many orthopedic practices and surgery centers offer an ERISA health plan?

446 health and welfare plans from 409 orthopedic practices and surgery centers appear in plan year 2024 to 2025 filings on Form 5500, covering 124,473 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 orthopedic practices and surgery centers?

By Schedule A premium: Blue Cross Blue Shield of Texas (28% of premium, 58 plans), Cigna Health and Life Insurance Company (9% of premium, 20 plans) and Unitedhealthcare Insurance Company (5% of premium, 19 plans).

Which benefits brokers work with orthopedic practices and surgery centers?

By number of client plans: Gallagher Benefit Services, Inc (32 plans), Hub International Midwest Limited (26 plans) and Lockton Companies, LLC (22 plans). 58% of plans report a broker.

How much do brokers earn on orthopedic practices and surgery centers health plans?

The median brokered plan reports $56K a year in broker commissions and fees, or 7.9% of premium. Figures come from Schedule A, Part I.

Are orthopedic practices and surgery centers health plans self-funded or fully insured?

Self-funded 41%, fully insured 30% and mixed 27%. Self-funded and mixed plans together make up 67%.

Where does this data come from?

U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Freestanding ambulatory surgical and emergency centers (NAICS 621493), plus healthcare employers whose name says orthopedics, spine, sports medicine, surgery center or endoscopy.

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Other healthcare specialties

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Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Freestanding ambulatory surgical and emergency centers (NAICS 621493), plus healthcare employers whose name says orthopedics, spine, sports medicine, surgery center or endoscopy.