Physician practices in Michigan
PlanOptica tracks 62 health and welfare plans sponsored by 56 physician practices in Michigan, covering 14,708 participants and $94M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 179 participants, and the most common size is 100 to 249 participants (39% of plans). The funding mix is split: 34% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Michigan leads by premium with a 30% share, followed by Blue Care Network of Michigan at 19%. Lockton Companies, LLC is the broker of record on 8 plans, more than any other firm, ahead of Lighthouse Group (8). 84% of plans report broker compensation on Schedule A; the median brokered plan pays $68K a year, about 4.8% of premium. Grand Rapids, Novi and Farmington Hills have the most plans.
Funding mix
- Fully insured36 · 58%
- Mixed12 · 19%
- Self-funded9 · 15%
- MEWA5 · 8%
Plan size (participants)
- Under 10015 · 24%
- 100 to 24924 · 39%
- 250 to 49917 · 27%
- 500 to 9995 · 8%
- 1,000 or more1 · 2%
Median plan: 179 participants. Median broker comp: 4.8% of premium across 52 brokered plans.
Top carriers, physicians, Michigan
- 1Blue Cross Blue Shield of Michigan$29M22 plans · 30.5%
- 2Blue Care Network of Michigan$17M19 plans · 18.7%
- 3Priority Health$17M8 plans · 18.1%
- 4Cigna Health and Life Insurance Company and Affiliates$7.7M2 plans · 8.2%
- 5Delta Dental of Michigan$4.4M24 plans · 4.7%
- 6Unum Life Insurance Company of America$4.2M9 plans · 4.5%
- 7Alliance Health and Life Insurance Company$3.7M1 plans · 4.0%
- 8Pan American Life Insurance Company$1.6M1 plans · 1.7%
- 9The Lincoln National Life Insurance Company$1.5M10 plans · 1.6%
- 10Standard Insurance Company$1.3M5 plans · 1.4%
Top brokers, physicians, Michigan
- 1Lockton Companies, LLC8 plans$655K comp · 15.4%
- 2Lighthouse Group8 plans$112K comp · 15.4%
- 3Centro Benefits Research LLC8 plans$63K comp · 15.4%
- 4Hub International Midwest Limited4 plans$167K comp · 7.7%
- 5NFP Corporate Services Il Inc3 plans$221K comp · 5.8%
- 6Cambridge Consulting Group Inc3 plans$120K comp · 5.8%
- 7Hylant Group Inc3 plans$87K comp · 5.8%
- 8MSMS Physician Services, Inc3 plans$26K comp · 5.8%
- 9Wilshire Benefits Group, Inc3 plans$24K comp · 5.8%
- 10Alera Group, Inc3 plans$12K comp · 5.8%
Largest physician practices in Michigan
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Cornerstone Medical Group Cornerstone Medical Group Welfare Benefit PlanAll plans | Clinton Township | Fully insured | 1,324 | $4.7M | Blue Cross of California |
| Michigan Healthcare P.C Michigan Healthcare Professionals, P.C. Sec 125 BenefitsAll plans | Farmington Hills | Fully insured | 997 | - | Blue Cross of California |
| Together Women's Health LLC The Welfare Benefit Plan for Together Women's HealthAll plans | Grosse Pointe | Mixed | 656 | $597K | The Lincoln National Life Insurance Company |
| Orthodontic Partners, LLC Orthodontic Partners Health PlanAll plans | Grand Rapids | MEWA | 642 | $4.0M | Cigna Health and Life Insurance Company |
| Orthodontic Partners, LLC Orthodontic Partners Health PlanAll plans | Grand Rapids | MEWA | 624 | $4.3M | Cigna Health and Life Insurance Company |
| Anesthesia Practice Consultants, PC Anesthesia Practice Consultants, PC Flexible Benefit PlanAll plans | Grand Rapids | Mixed | 578 | $1.9M | Unum Life Insurance Company of America |
| Saginaw Cooperative Hospitals Dba Cmu Medical Education Partners Cmu Medical Education Partners Health and Welfare Benefits PlanAll plans | Saginaw | Mixed | 431 | $375K | Reliance Standard Life Insurance Company |
| Insight Management and Consulting Services, Inc Insight Management and Consulting Services, Inc. Welfare Benefits PlanAll plans | Flint | Mixed | 425 | $973K | Delta Dental of California |
| Advanced Radiology Services, P.C Advanced Radiology Services P.C. Group Insurance PlanAll plans | Grand Rapids | Fully insured | 365 | $2.1M | Pan-American Life Insurance Company |
| Independent Emergency Physicians, PC Independent Emergency Physicians Health and Welfare PlanAll plans | Farmington Hills | Fully insured | 349 | $4.5M | Alliance Health and Life Insurance Company |
| Intercare Community Health Network Intercare Community Health Network Employee Benefit PlanAll plans | Bangor | Fully insured | 347 | $3.7M | Priority Health |
| Orthopaedic Associates of Grand Rapids Orthopaedic Associates of Michigan Health and Welfare PlanAll plans | Grand Rapids | Fully insured | 337 | $4.2M | Blue Cross of California |
| Alcona Citizens for Health Welfare Benefit Plan Alcona Citizens for Health Welfare Benefit PlanAll plans | Alpena | Fully insured | 336 | $5.0M | Priority Health |
| Emergency Care Specialists, P.C Emergency Care Specialists Employee Health & WellnessAll plans | Grand Rapids | Mixed | 335 | $668K | Unum Life Insurance Company of America |
| Michigan Orthopaedic Surgeons,pllc Michigan Orthopaedic Surgeons, PLLCAll plans | Southfield | Fully insured | 326 | $3.1M | Blue Cross of California |
Showing 15 of 56 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Michigan
- Grand Rapids11 plans · 3,730 participants
- Novi5 plans · 715 participants
- Farmington Hills4 plans · 1,804 participants
- Mount Clemens4 plans · 463 participants
- Flint3 plans · 628 participants
- Clinton Township2 plans · 1,598 participants
- Alpena2 plans · 547 participants
- Muskegon2 plans · 455 participants
- Rochester Hills2 plans · 383 participants
- Grosse Pointe1 plans · 656 participants
- Saginaw1 plans · 431 participants
- Bangor1 plans · 347 participants
Frequently asked questions
How many physician practices in Michigan offer an ERISA health plan?
62 health and welfare plans from 56 physician practices in Michigan appear in plan year 2024 to 2025 filings on Form 5500, covering 14,708 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 Michigan?
By Schedule A premium: Blue Cross Blue Shield of Michigan (30% of premium, 22 plans), Blue Care Network of Michigan (19% of premium, 19 plans) and Priority Health (18% of premium, 8 plans).
Which benefits brokers work with physician practices in Michigan?
By number of client plans: Lockton Companies, LLC (8 plans), Lighthouse Group (8 plans) and Centro Benefits Research LLC (8 plans). 84% of plans report a broker.
How much do brokers earn on physician practices health plans in Michigan?
The median brokered plan reports $68K a year in broker commissions and fees, or 4.8% of premium. Figures come from Schedule A, Part I.
Are physician practices health plans in Michigan self-funded or fully insured?
Fully insured 58%, mixed 19% and self-funded 15%. Self-funded and mixed plans together make up 34%.
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 Michigan
Open the welfare search with Michigan 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 Michigan
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 Michigan.