Physician practices in Rhode Island
PlanOptica tracks 5 health and welfare plans sponsored by 5 physician practices in Rhode Island, covering 1,888 participants and $19M in reported insurance premiums (plan year 2025 filings). The median plan has 413 participants, and the most common size is 100 to 249 participants (40% of plans). The funding mix is split: 40% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Rhode Island dominates premium with a 82% share, followed by Sun Life at 9%. Emerson Rogers LLC is the broker of record on 2 plans, more than any other firm, ahead of RSC Insurance Brokerage Inc (1). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $84K a year, about 6.0% of premium. Providence, Warwick and Pawtucket have the most plans.
Funding mix
- Fully insured3 · 60%
- Mixed2 · 40%
Plan size (participants)
- Under 1000 · 0%
- 100 to 2492 · 40%
- 250 to 4992 · 40%
- 500 to 9991 · 20%
- 1,000 or more0 · 0%
Median plan: 413 participants. Median broker comp: 6.0% of premium across 5 brokered plans.
Top carriers, physicians, Rhode Island
- 1Blue Cross Blue Shield of Rhode Island$16M3 plans · 81.7%
- 2Sun Life$1.7M1 plans · 8.8%
- 3Reliance Matrix$725K1 plans · 3.7%
- 4Delta Dental of Rhode Island$482K3 plans · 2.5%
- 5The Guardian Life Insurance Company of America$221K1 plans · 1.1%
- 6Unum Life Insurance Company of America$172K2 plans · 0.9%
- 7Vision Service Plan$97K2 plans · 0.5%
- 8Standard Insurance Company$74K1 plans · 0.4%
- 9The Lincoln National Life Insurance Co$41K1 plans · 0.2%
- 10Northwestern Mutual$41K1 plans · 0.2%
Top brokers, physicians, Rhode Island
- 1Emerson Rogers LLC2 plans$86K comp · 40.0%
- 2RSC Insurance Brokerage Inc1 plans$233K comp · 20.0%
- 3Hollowtree Holdings Corporation1 plans$123K comp · 20.0%
- 4Hilb Group of New England1 plans$121K comp · 20.0%
- 5Gallagher Benefit Services, Inc1 plans$84K comp · 20.0%
- 6Marsh & McLennan Agency, LLC1 plans$10K comp · 20.0%
- 7Risk Strategies Company1 plans$8K comp · 20.0%
- 8Usi Insurance Services LLC1 plans$7K comp · 20.0%
- 90009K8931 plans$7K comp · 20.0%
- 10Jeremy Taylor Stowe1 plans$4K comp · 20.0%
Largest physician practices in Rhode Island
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| University Orthopedics, Inc University Orthopedics, Inc. Employee Benefit PlanAll plans | Providence | Fully insured | 670 | $11M | Blue Cross of California |
| The Providence Community Health Centers, Inc Providence Community Health Centers, Inc. Employee Benefit PlanAll plans | Providence | Mixed | 484 | $278K | The Guardian Life Insurance Company of America |
| Orthopedics Rhode Island, Inc Orthopedics Rhode Island, Inc. Employee Benefits PlanAll plans | Warwick | Fully insured | 413 | $4.6M | Blue Cross of California |
| Blackstone Valley Community Health Care, Inc Blackstone Valley Community Health Care Inc. Health & Welfare PlanAll plans | Pawtucket | Fully insured | 179 | $3.3M | Blue Cross of California |
| Northwest Community Health Care Northwest Community Health Care Wrap Benefit PlanAll plans | Pascoag | Mixed | 142 | $139K | Delta Dental of California |
Plans by city in Rhode Island
Frequently asked questions
How many physician practices in Rhode Island offer an ERISA health plan?
5 health and welfare plans from 5 physician practices in Rhode Island appear in plan year 2025 filings on Form 5500, covering 1,888 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 Rhode Island?
By Schedule A premium: Blue Cross Blue Shield of Rhode Island (82% of premium, 3 plans), Sun Life (9% of premium, 1 plan) and Reliance Matrix (4% of premium, 1 plan).
Which benefits brokers work with physician practices in Rhode Island?
By number of client plans: Emerson Rogers LLC (2 plans), RSC Insurance Brokerage Inc (1 plan) and Hollowtree Holdings Corporation (1 plan). 100% of plans report a broker.
How much do brokers earn on physician practices health plans in Rhode Island?
The median brokered plan reports $84K 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 Rhode Island self-funded or fully insured?
Fully insured 60% and mixed 40%. 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. Offices of physicians (NAICS 621111) and of mental health physicians (621112).
Prospect physician practices in Rhode Island
Open the welfare search with Rhode Island 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 Rhode Island
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2025). Offices of physicians (NAICS 621111) and of mental health physicians (621112). Location is the sponsor's filing address in Rhode Island.