Physician practices in California
PlanOptica tracks 261 health and welfare plans sponsored by 236 physician practices in California, covering 155,836 participants and $3.8B in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 169 participants, and the most common size is under 100 participants (32% of plans). The funding mix is split: 48% of plans are self-funded or mixed and the rest are mainly fully insured.
Kaiser Foundation Health Plan, Inc dominates premium with a 75% share, followed by Standard Insurance Company at 4%. Gallagher Benefit Services, Inc is the broker of record on 25 plans, more than any other firm, ahead of Hub International Ins Svcs Inc (23). 72% of plans report broker compensation on Schedule A; the median brokered plan pays $116K a year, about 6.0% of premium. Los Angeles, San Diego and Oakland have the most plans.
Funding mix
- Fully insured133 · 51%
- Self-funded66 · 25%
- Mixed59 · 23%
- MEWA3 · 1%
Plan size (participants)
- Under 10084 · 32%
- 100 to 24978 · 30%
- 250 to 49941 · 16%
- 500 to 99930 · 11%
- 1,000 or more28 · 11%
Median plan: 169 participants. Median broker comp: 6.0% of premium across 187 brokered plans.
Top carriers, physicians, California
- 1Kaiser Foundation Health Plan, Inc$2.8B60 plans · 74.8%
- 2Standard Insurance Company$166M24 plans · 4.4%
- 3Blue Cross of California$156M44 plans · 4.1%
- 4California Physicians Service$111M20 plans · 2.9%
- 5Metropolitan Life Insurance Company$93M42 plans · 2.5%
- 6Delta Dental of California$71M26 plans · 1.9%
- 7Unitedhealthcare Insurance Company$53M15 plans · 1.4%
- 8Sutter Health Plan$41M16 plans · 1.1%
- 9Unum Life Insurance Company of America$37M45 plans · 1.0%
- 10Cigna Health and Life Insurance Company and Affiliates$33M18 plans · 0.9%
Top brokers, physicians, California
- 1Gallagher Benefit Services, Inc25 plans$1.7M comp · 13.4%
- 2Hub International Ins Svcs Inc23 plans$3.8M comp · 12.3%
- 3Marsh & McLennan Agency LLC21 plans$3.3M comp · 11.2%
- 4Alliant Insurance Services, Inc13 plans$2.2M comp · 7.0%
- 5Warner Pacific Insurance Services12 plans$296K comp · 6.4%
- 6Digital Insurance LLC10 plans$2.0M comp · 5.3%
- 7Amwins Connect Insurance Services10 plans$238K comp · 5.3%
- 8Acrisure of California LLC9 plans$3.5M comp · 4.8%
- 9Lockton Companies, LLC8 plans$1.9M comp · 4.3%
- 10Interwest Insurance Services, LLC8 plans$274K comp · 4.3%
Largest physician practices in California
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Molina Healthcare, Inc Molina Healthcare, Inc. Health and Welfare PlanAll plans | Long Beach | Fully insured | 18,620 | $21M | United of Omaha Life Insurance Company |
| The Permanente Medical Group, Inc The Permanente Medical Group, Inc. Physicians' Welfare Benefit Plan for Active PhysiciansAll plans | Pleasanton | Mixed | 10,110 | $391M | Kaiser Foundation Health Plan Inc |
| Prospect Medical Holdings, Inc Prospect Medical Group Employee Benefit PlanAll plans | Culver City | Mixed | 9,738 | $9.9M | Standard Insurance Company |
| Medamerica, Inc Medamerica Health Care PlanAll plans | Emeryville | Mixed | 6,119 | $15M | Kaiser Foundation Health Plan Inc |
| Altamed Health Services Corp Altamed Health Services Corp. Welfare PlanAll plans | Los Angeles | Fully insured | 5,838 | $69M | California Physicians Service |
| Alternative Behavior Strategies, LLC Alternative Behavior Strategies, LLC Welfare Benefit PlanAll plans | Encino | Fully insured | 4,896 | $12M | Unitedhealthcare Insurance Company |
| Optimum Employer Solutions Optimum Employer Solutions Welfare Benefits PlanAll plans | Santa Ana | Fully insured | 3,466 | $24M | Blue Cross of California |
| Autism Learning Partners Autism Learning Partners Welfare Benefits PlanAll plans | Monrovia | Fully insured | 3,103 | $9.1M | United Healthcare Insurance Company |
| 1LIFE Healthcare, Inc 1LIFE Healthcare, Inc. Welfare Benefits PlanAll plans | San Francisco | Fully insured | 2,646 | $4.9M | Kaiser Foundation Health Plan Inc |
| Astrana Health Inc Astrana Health, Inc. Life & AddAll plans | Alhambra | Fully insured | 2,606 | $133K | Reliance Standard Life Insurance Company |
| Palo Alto Foundation Medical Group Palo Alto Foundation Medical Group, Inc. Health and Welfare PlanAll plans | Los Altos | Mixed | 2,205 | $19M | Standard Insurance Company |
| Flexcare LLC Flexcare LLC Health and Welfare PlanAll plans | Roseville | Fully insured | 1,997 | $2.0M | Kaiser Foundation Health Plan Inc |
| Kalesta Healthcare Group, LLC Kalesta Healthcare Group, LLC Health and Welfare PlanAll plans | Saratoga | Mixed | 1,514 | $5.3M | Kaiser Foundation Health Plan Inc |
| Neighborhood Healthcare Neighborhood Healthcare Welfare PlanAll plans | Escondido | Fully insured | 1,462 | $15M | Aetna Life Insurance Company |
| Alpine Physician Partners, LLC Alpine Physician Partners, LLC Health & Welfare Benefits PlanAll plans | Orange | Fully insured | 1,404 | $12M | Cigna Health and Life Insurance Company |
Showing 15 of 236 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in California
- Los Angeles15 plans · 7,769 participants
- San Diego14 plans · 3,829 participants
- Oakland14 plans · 2,829 participants
- Sacramento13 plans · 5,641 participants
- Fresno9 plans · 2,415 participants
- San Francisco8 plans · 4,919 participants
- Beverly Hills7 plans · 1,071 participants
- Walnut Creek6 plans · 2,593 participants
- Redding6 plans · 722 participants
- Pleasanton5 plans · 27,696 participants
- Orange5 plans · 1,885 participants
- Alhambra4 plans · 7,486 participants
Frequently asked questions
How many physician practices in California offer an ERISA health plan?
261 health and welfare plans from 236 physician practices in California appear in plan year 2024 to 2025 filings on Form 5500, covering 155,836 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 physician practices in California?
By Schedule A premium: Kaiser Foundation Health Plan, Inc (75% of premium, 60 plans), Standard Insurance Company (4% of premium, 24 plans) and Blue Cross of California (4% of premium, 44 plans).
Which benefits brokers work with physician practices in California?
By number of client plans: Gallagher Benefit Services, Inc (25 plans), Hub International Ins Svcs Inc (23 plans) and Marsh & McLennan Agency LLC (21 plans). 72% of plans report a broker.
How much do brokers earn on physician practices health plans in California?
The median brokered plan reports $116K a year in broker commissions and fees, or 6.0% of premium. Figures come from Schedule A, Part I.
Are physician practices health plans in California self-funded or fully insured?
Fully insured 51%, self-funded 25% and mixed 23%. Self-funded and mixed plans together make up 48%.
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 physicians (NAICS 621111) and of mental health physicians (621112).
Prospect physician 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.
Physicians 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 physicians (NAICS 621111) and of mental health physicians (621112). Location is the sponsor's filing address in California.