Physician practices in North Carolina
PlanOptica tracks 97 health and welfare plans sponsored by 80 physician practices in North Carolina, covering 37,127 participants and $71M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 208 participants, and the most common size is 100 to 249 participants (46% of plans). Most of these plans are self-funded or mixed (66%), so stop-loss and TPA relationships matter as much as the medical carrier.
Blue Cross and Blue Shield of North Carolina leads by premium with a 19% share, followed by Hartford Life and Accident at 14%. Marsh & McLennan Agency LLC is the broker of record on 19 plans, more than any other firm, ahead of Gallagher Benefit Services, Inc (17). 86% of plans report broker compensation on Schedule A; the median brokered plan pays $60K a year, about 12.0% of premium. Charlotte, Raleigh and Wilmington have the most plans.
Funding mix
- Mixed53 · 55%
- Fully insured31 · 32%
- Self-funded11 · 11%
- MEWA1 · 1%
- Unknown1 · 1%
Plan size (participants)
- Under 10017 · 18%
- 100 to 24945 · 46%
- 250 to 49920 · 21%
- 500 to 9999 · 9%
- 1,000 or more6 · 6%
Median plan: 208 participants. Median broker comp: 12.0% of premium across 83 brokered plans.
Top carriers, physicians, North Carolina
- 1Blue Cross and Blue Shield of North Carolina$14M15 plans · 19.2%
- 2Hartford Life and Accident$9.7M22 plans · 13.6%
- 3Unum Life Insurance Company of America$7.4M23 plans · 10.3%
- 4Sun Life Assurance Company of Canada$6.4M10 plans · 9.0%
- 5Delta Dental of North Carolina$4.5M23 plans · 6.3%
- 6The Lincoln National Life Insurance Company$4.1M8 plans · 5.8%
- 7Life Insurance Company of North America$2.9M3 plans · 4.1%
- 8Unitedhealthcare Insurance Company$2.6M4 plans · 3.6%
- 9Standard Insurance Company$2.1M8 plans · 2.9%
- 10Reliance Matrix$1.8M4 plans · 2.6%
Top brokers, physicians, North Carolina
- 1Marsh & McLennan Agency LLC19 plans$1.2M comp · 22.9%
- 2Gallagher Benefit Services, Inc17 plans$760K comp · 20.5%
- 3Digital Insurance LLC16 plans$615K comp · 19.3%
- 4Mosaic Group Services LLC13 plans$201K comp · 15.7%
- 5Sra Benefits Consulting LLC9 plans$106K comp · 10.8%
- 6James a Scott & Son Inc7 plans$434K comp · 8.4%
- 7Onedigital Premier Services LLC6 plans$132K comp · 7.2%
- 8Hub International Midwest Limited5 plans$259K comp · 6.0%
- 9Usi Insurance Services LLC5 plans$219K comp · 6.0%
- 10Gis Benefits Inc4 plans$131K comp · 4.8%
Largest physician practices in North Carolina
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Charlotte Radiology, PA Charlotte Radiology PA Employee Health & Welfare PlanAll plans | Charlotte | Mixed | 5,008 | $1.5M | Hartford Life and Accident |
| Lumexa Imaging, Inc Lumexa Imaging, Inc. Health & Welfare PlanAll plans | Raleigh | Mixed | 3,755 | $1.6M | Hartford Life and Accident |
| Unc Physicians Network Group Practices, LLC Unc Physicians Network Group Practices Group Welfare Benefit PlanAll plans | Morrisville | Mixed | 2,669 | $4.2M | Sun Life Assurance Company of Canada |
| Emergeortho, P.A Emergeortho, P.A. Welfare Benefit PlanAll plans | Durham | Mixed | 2,058 | $2.8M | Life Insurance Company of North America |
| Orthocarolina P.A Orthocarolina P.A. Health and Welfare PlanAll plans | Charlotte | Mixed | 1,607 | $3.3M | Unum Life Insurance Company of America |
| Wilmington Health, PLLC Wilmington Health, PLLC Employee Benefit PlanAll plans | Wilmington | Mixed | 1,108 | $1.1M | The Lincoln National Life Insurance Company |
| Piedmont Healthcare, P.A Piedmont Healthcare, P.A. Welfare Benefit PlanAll plans | Statesville | Mixed | 827 | $2.0M | Symetra Life Insurance Company |
| Physicians East PA Physicians East PA Employee Health Care PlanAll plans | Greenville | Mixed | 723 | $603K | Hartford Life and Accident |
| Charlotte Eye, Ear, Nose, & Throat Associates, P.A Charlotte Eye Ear Nose & Throat Associates, P.A. Welfare Benefits PlanAll plans | Charlotte | Fully insured | 699 | $1.1M | Hartford Life and Accident |
| Avance Health System Avance Health System Employee Benefits PlanAll plans | Durham | Mixed | 658 | $888K | Hartford Life and Accident |
| Allergy Partners, PLLC Allergy Partners PLLC Welfare Benefit PlanAll plans | Asheville | Mixed | 612 | $1.1M | Reliance Standard Life Insurance Company |
| Blue Ridge Community Health Services Blue Ridge Community Health Services Inc. Health & Welfare Benefits PlanAll plans | Hendersonville | Mixed | 583 | $975K | Symetra Life Insurance Company |
| Pinehurst Medical Clinic, Inc Pinehurst Medical Clinic, Inc. Health & Welfare PlanAll plans | Pinehurst | Mixed | 560 | $1.1M | Unum Life Insurance Company of America |
| Piedmont Health Services Piedmont Health Services Health PlanAll plans | Chapel Hill | Mixed | 543 | $1.0M | The Lincoln National Life Insurance Company |
| Community Care of North Carolina, Inc Community Care of North Carolina, Inc Employee Benefits PlanAll plans | Garner | Mixed | 535 | $1.3M | Unum Life Insurance Company of America |
Showing 15 of 80 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in North Carolina
- Charlotte19 plans · 9,680 participants
- Raleigh17 plans · 6,758 participants
- Wilmington6 plans · 1,769 participants
- Durham5 plans · 3,349 participants
- Greenville5 plans · 1,549 participants
- Asheville5 plans · 1,429 participants
- Cary4 plans · 832 participants
- Concord3 plans · 954 participants
- Huntersville3 plans · 454 participants
- Pinehurst2 plans · 944 participants
- New Bern2 plans · 365 participants
- Fayetteville2 plans · 225 participants
Frequently asked questions
How many physician practices in North Carolina offer an ERISA health plan?
97 health and welfare plans from 80 physician practices in North Carolina appear in plan year 2024 to 2025 filings on Form 5500, covering 37,127 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 North Carolina?
By Schedule A premium: Blue Cross and Blue Shield of North Carolina (19% of premium, 15 plans), Hartford Life and Accident (14% of premium, 22 plans) and Unum Life Insurance Company of America (10% of premium, 23 plans).
Which benefits brokers work with physician practices in North Carolina?
By number of client plans: Marsh & McLennan Agency LLC (19 plans), Gallagher Benefit Services, Inc (17 plans) and Digital Insurance LLC (16 plans). 86% of plans report a broker.
How much do brokers earn on physician practices health plans in North Carolina?
The median brokered plan reports $60K a year in broker commissions and fees, or 12.0% of premium. Figures come from Schedule A, Part I.
Are physician practices health plans in North Carolina self-funded or fully insured?
Mixed 55%, fully insured 32% and self-funded 11%. Self-funded and mixed plans together make up 66%.
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 North Carolina
Open the welfare search with North Carolina 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 North Carolina
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 North Carolina.