Physician practices in Missouri
PlanOptica tracks 65 health and welfare plans sponsored by 53 physician practices in Missouri, covering 9,566 participants and $51M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 106 participants, and the most common size is under 100 participants (43% of plans). Most of these plans are self-funded or mixed (65%), so stop-loss and TPA relationships matter as much as the medical carrier.
Blue Cross & Blue Shield of Kansas City leads by premium with a 24% share, followed by Cigna Health and Life Insurance Company at 14%. Marsh & McLennan Agency LLC is the broker of record on 10 plans, more than any other firm, ahead of Lockton Companies, LLC (10). 57% of plans report broker compensation on Schedule A; the median brokered plan pays $47K a year, about 8.6% of premium. Saint Louis, St. Louis and Kansas City have the most plans.
Funding mix
- Self-funded29 · 45%
- Fully insured22 · 34%
- Mixed13 · 20%
- MEWA1 · 2%
Plan size (participants)
- Under 10028 · 43%
- 100 to 24922 · 34%
- 250 to 49912 · 18%
- 500 to 9993 · 5%
- 1,000 or more0 · 0%
Median plan: 106 participants. Median broker comp: 8.6% of premium across 37 brokered plans.
Top carriers, physicians, Missouri
- 1Blue Cross & Blue Shield of Kansas City$12M5 plans · 23.7%
- 2Cigna Health and Life Insurance Company$7.0M6 plans · 13.8%
- 3Unitedhealthcare Insurance Company$5.7M3 plans · 11.3%
- 4Healthy Alliance Life Insurance Company$5.6M3 plans · 11.1%
- 5Health Alliance Life Insurance Company$3.3M1 plans · 6.6%
- 6Cox Health Systems Insurance Company$2.7M1 plans · 5.3%
- 7Sun Life Assurance Company of Canada$2.4M5 plans · 4.8%
- 8HCC Life Insurance Company$1.4M3 plans · 2.8%
- 9Delta Dental of Missouri$1.3M8 plans · 2.6%
- 10Unum Life Insurance Company of America$1.3M4 plans · 2.5%
Top brokers, physicians, Missouri
- 1Marsh & McLennan Agency LLC10 plans$486K comp · 27.0%
- 2Lockton Companies, LLC10 plans$306K comp · 27.0%
- 3Digital Insurance LLC4 plans$174K comp · 10.8%
- 4Gis Benefits Inc4 plans$67K comp · 10.8%
- 5Centro Benefits Research LLC4 plans$49K comp · 10.8%
- 6Assuredpartners of Missouri LLC2 plans$122K comp · 5.4%
- 7Bukaty Companies2 plans$107K comp · 5.4%
- 8Hub International Midwest Limited2 plans$77K comp · 5.4%
- 9Acrisure Wallstreet Partners LLC2 plans$14K comp · 5.4%
- 10One Digital2 plans$11K comp · 5.4%
Largest physician practices in Missouri
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| American Multispecialty Group, Inc. Dba Esse Health Esse Health Employee Benefit PlanAll plans | St. Louis | Mixed | 745 | $2.7M | Sun Life Assurance Company of Canada |
| Advocates for a Healthy Community, Inc Advocates for a Healthy Community, Inc. Employee Benefits PlanAll plans | Springfield | Mixed | 695 | $1.6M | Berkley Life and Health Insurance Company |
| Jefferson City Medical Group Jefferson City Medical Group Life & Disability PlanAll plans | Jefferson City | Mixed | 541 | $302K | Hartford Life and Accident |
| Betty Jean Kerr Peoples Health Center People's Health Centers Health and Welfare PlanAll plans | Saint Louis | Fully insured | 405 | $275K | Reliance Standard Life Insurance Company |
| The Ranken-Jordan Home for Convalescent Crippled Children The Ranken-Jordan Home for Convalescent Crippled Children Employee Benefit PlanAll plans | St. Louis | Mixed | 386 | $597K | United Healthcare Insurance Company |
| Ozark Center Ozark Center Group Insurance PlanAll plans | Joplin | Mixed | 357 | $4.4M | Health Net |
| Hicuity Health, Inc Hicuity Health, Inc. Welfare Benefits PlanAll plans | St. Louis | MEWA | 338 | $4.1M | Cigna Health and Life Insurance Company |
| Ozark Tri-County Health Care Consortium Dba Access Family Care Ozark Tri-County Health Care Consortium Dba Access Family Care Employee Benefits PlanAll plans | Neosho | Fully insured | 297 | $3.0M | Cox Health Systems Insurance Company |
| Samuel U. Rodgers Health Center, Inc Samuel U. Rodgers Health Center, Medical, Dental, Vision and Voluntary Life PlanAll plans | Kansas City | Fully insured | 277 | $2.4M | Blue Cross of California |
| Pacesetter Health Podiatry Growth Partners Benefits PlanAll plans | St. Louis | Fully insured | 260 | $1.9M | Cigna Health and Life Insurance Company |
| University Health Physicians University Health Physicians Welfare Benefit PlanAll plans | Kansas City | Mixed | 257 | $6.3M | Blue Cross of California |
| Retina Consultants, Ltd Retina Consultants, Ltd Medical, Life, Ltd, DentalAll plans | St. Louis | Mixed | 231 | $1.0M | Anthem Life Insurance Company |
| Columbia Orthopaedic Group, LLP Columbia Orthopaedic Group, LLP Employee Benefits PlanAll plans | Columbia | Mixed | 227 | $1.4M | HCC Life Insurance Company |
| Western Anesthesiology Associates, Inc Western Anesthesiology Associates Welfare Benefit PlanAll plans | Ballwin | Mixed | 211 | $316K | Life Insurance Company of North America |
| Signature Medical Group, Inc Signature Medical Group Inc Group Health PlanAll plans | Saint Louis | Fully insured | 208 | $755K | Sun Life Assurance Company of Canada |
Showing 15 of 53 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Missouri
- Saint Louis9 plans · 955 participants
- St. Louis7 plans · 2,460 participants
- Kansas City7 plans · 1,040 participants
- Jefferson City6 plans · 1,683 participants
- Columbia6 plans · 370 participants
- Chesterfield5 plans · 422 participants
- Lees Summit3 plans · 398 participants
- Joplin3 plans · 368 participants
- Cape Girardeau3 plans · 332 participants
- Ballwin2 plans · 239 participants
- Saint Peters2 plans · 9 participants
- Springfield1 plans · 695 participants
Frequently asked questions
How many physician practices in Missouri offer an ERISA health plan?
65 health and welfare plans from 53 physician practices in Missouri appear in plan year 2024 to 2025 filings on Form 5500, covering 9,566 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 Missouri?
By Schedule A premium: Blue Cross & Blue Shield of Kansas City (24% of premium, 5 plans), Cigna Health and Life Insurance Company (14% of premium, 6 plans) and Unitedhealthcare Insurance Company (11% of premium, 3 plans).
Which benefits brokers work with physician practices in Missouri?
By number of client plans: Marsh & McLennan Agency LLC (10 plans), Lockton Companies, LLC (10 plans) and Digital Insurance LLC (4 plans). 57% of plans report a broker.
How much do brokers earn on physician practices health plans in Missouri?
The median brokered plan reports $47K a year in broker commissions and fees, or 8.6% of premium. Figures come from Schedule A, Part I.
Are physician practices health plans in Missouri self-funded or fully insured?
Self-funded 45%, fully insured 34% and mixed 20%. Self-funded and mixed plans together make up 65%.
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 Missouri
Open the welfare search with Missouri 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 Missouri
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 Missouri.