Orthopedic practices and surgery centers in Minnesota
PlanOptica tracks 10 health and welfare plans sponsored by 5 orthopedic practices and surgery centers in Minnesota, covering 2,169 participants and $2.2M in reported insurance premiums (plan year 2025 filings). The median plan has 136 participants, and the most common size is 100 to 249 participants (80% of plans). The funding mix is split: 40% of plans are self-funded or mixed and the rest are mainly fully insured.
Reliance Standard Life Insurance Company dominates premium with a 82% share, followed by The Lincoln National Life Insurance Company at 11%. Usi Insurance Services LLC is the broker of record on 4 plans, more than any other firm, ahead of Seth J. Kalkstein (1). 70% of plans report broker compensation on Schedule A; the median brokered plan pays $10K a year, about 15.0% of premium. Sartell, Woodbury and Maple Grove have the most plans.
Funding mix
- Fully insured6 · 60%
- Self-funded3 · 30%
- Mixed1 · 10%
Plan size (participants)
- Under 1001 · 10%
- 100 to 2498 · 80%
- 250 to 4990 · 0%
- 500 to 9990 · 0%
- 1,000 or more1 · 10%
Median plan: 136 participants. Median broker comp: 15.0% of premium across 7 brokered plans.
Top carriers, orthopedics and surgery centers, Minnesota
- 1Reliance Standard Life Insurance Company$1.8M2 plans · 81.8%
- 2The Lincoln National Life Insurance Company$228K1 plans · 10.6%
- 3United of Omaha Life Insurance Company$106K3 plans · 4.9%
- 4Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co$36K1 plans · 1.7%
- 5Pre-Paid Legal Services Inc Dba Legalshield$14K1 plans · 0.6%
- 6Unum Life Insurance Company of America$8K1 plans · 0.4%
Top brokers, orthopedics and surgery centers, Minnesota
- 1Usi Insurance Services LLC4 plans$17K comp · 57.1%
- 2Seth J. Kalkstein1 plans$70K comp · 14.3%
- 3Kevin Spahn1 plans$60K comp · 14.3%
- 4E P Amata1 plans$45K comp · 14.3%
- 5North Risk Partners LLC1 plans$32K comp · 14.3%
- 6Christensen Group Inc1 plans$20K comp · 14.3%
- 7Gis Benefits Inc1 plans$15K comp · 14.3%
- 8Boon Chapman BNFT Admnstrs Inc1 plans$11K comp · 14.3%
- 9Gallagher Benefit Services, Inc1 plans$1K comp · 14.3%
- 10Thomas Owens1 plans$947 comp · 14.3%
Largest orthopedic practices and surgery centers in Minnesota
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Summit Orthopedics, Ltd Summit Health and Welfare PlanAll plans | Woodbury | Mixed | 1,046 | $1.6M | Reliance Standard Life Insurance Company |
| Interventional Spine and Pain Physicians, PA Interventional Spine and Pain Physicians, PA Employee BenefitsAll plans | Maple Grove | Fully insured | 162 | $8K | Unum Life Insurance Company of America |
| St. Cloud Orthopedic Associates, Ltd St. Cloud Orthopedic Associates, Ltd Life Insurance PlanAll plans | Sartell | Fully insured | 151 | $21K | United of Omaha Life Insurance Company |
| Twin Cities Spine Surgeons Ltd Twin Cities Spine Surgeons Dba Twin Cities SpineAll plans | Minneapolis | Fully insured | 117 | $250K | Reliance Standard Life Insurance Company |
| Orthopaedic & Fracture Clinic, PA Orthopaedic & Fracture Clinic Life Ins. PlanAll plans | Mankato | Fully insured | 112 | $228K | The Lincoln National Life Insurance Company |
Showing 5 of 5 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Minnesota
Frequently asked questions
How many orthopedic practices and surgery centers in Minnesota offer an ERISA health plan?
10 health and welfare plans from 5 orthopedic practices and surgery centers in Minnesota appear in plan year 2025 filings on Form 5500, covering 2,169 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 in Minnesota?
By Schedule A premium: Reliance Standard Life Insurance Company (82% of premium, 2 plans), The Lincoln National Life Insurance Company (11% of premium, 1 plan) and United of Omaha Life Insurance Company (5% of premium, 3 plans).
Which benefits brokers work with orthopedic practices and surgery centers in Minnesota?
By number of client plans: Usi Insurance Services LLC (4 plans), Seth J. Kalkstein (1 plan) and Kevin Spahn (1 plan). 70% of plans report a broker.
How much do brokers earn on orthopedic practices and surgery centers health plans in Minnesota?
The median brokered plan reports $10K a year in broker commissions and fees, or 15.0% of premium. Figures come from Schedule A, Part I.
Are orthopedic practices and surgery centers health plans in Minnesota self-funded or fully insured?
Fully insured 60%, self-funded 30% and mixed 10%. Self-funded and mixed plans together make up 40%.
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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Orthopedics and surgery centers 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 2025). Freestanding ambulatory surgical and emergency centers (NAICS 621493), plus healthcare employers whose name says orthopedics, spine, sports medicine, surgery center or endoscopy. Location is the sponsor's filing address in Minnesota.