Skilled nursing and residential care facilities in Alabama
PlanOptica tracks 22 health and welfare plans sponsored by 18 skilled nursing and residential care facilities in Alabama, covering 14,576 participants and $25M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 196 participants, and the most common size is 100 to 249 participants (59% of plans). The funding mix is split: 41% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross and Blue Shield of Alabama dominates premium with a 67% share, followed by Continental American Insurance Company at 12%. Marsh & McLennan Agency LLC is the broker of record on 3 plans, more than any other firm, ahead of Cobbs Allen & Hall (3). 68% of plans report broker compensation on Schedule A; the median brokered plan pays $35K a year, about 12.4% of premium. Huntsville, Tuscaloosa and Birmingham have the most plans.
Funding mix
- Fully insured13 · 59%
- Mixed8 · 36%
- Self-funded1 · 5%
Plan size (participants)
- Under 1001 · 5%
- 100 to 24913 · 59%
- 250 to 4995 · 23%
- 500 to 9991 · 5%
- 1,000 or more2 · 9%
Median plan: 196 participants. Median broker comp: 12.4% of premium across 15 brokered plans.
Top carriers, skilled nursing, Alabama
- 1Blue Cross and Blue Shield of Alabama$17M11 plans · 66.9%
- 2Continental American Insurance Company$3.1M1 plans · 12.4%
- 3Symetra Life Insurance Company$1.2M1 plans · 4.8%
- 4The Guardian Life Insurance Company of America$1.0M4 plans · 4.1%
- 5Sun Life Assurance Company of Canada$498K1 plans · 2.0%
- 6Cigna Health and Life Insurance Company$444K1 plans · 1.8%
- 7Vision Service Plan$380K4 plans · 1.5%
- 8Prudential Insurance Company of America$268K2 plans · 1.1%
- 9Citizens Security Life Insurance Company$188K1 plans · 0.8%
- 10The Lincoln National Life Insurance Company$188K2 plans · 0.8%
Top brokers, skilled nursing, Alabama
- 1Marsh & McLennan Agency LLC3 plans$138K comp · 20.0%
- 2Cobbs Allen & Hall3 plans$91K comp · 20.0%
- 3Lockton Companies, LLC2 plans$479K comp · 13.3%
- 4Estes Pegram & Assoc Inc2 plans$61K comp · 13.3%
- 5Img2 plans$92 comp · 13.3%
- 6Benefit Communications, Inc1 plans$185K comp · 6.7%
- 7Utic Insurance Company1 plans$108K comp · 6.7%
- 8Jennon M. Caruth1 plans$99K comp · 6.7%
- 9Propel Insurance Agency, LLC1 plans$92K comp · 6.7%
- 10Connie M Davis1 plans$43K comp · 6.7%
Largest skilled nursing and residential care facilities in Alabama
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| NHS Management, LLC NHS Affiliated Companies Welfare Benefits PlanAll plans | Tuscaloosa | Mixed | 5,138 | $4.3M | Aflac |
| American Eagle Delaware Holding Company LLC American Eagle Delaware Holding Company LLC Employee Benefits PlanAll plans | Vestavia | Mixed | 571 | $195K | The Lincoln National Life Insurance Company |
| Methodist Home for the Aging Methodist Home for the Aging Welfare Benefit PlanAll plans | Birmingham | Mixed | 495 | $2.5M | Blue Cross of California |
| Trinity Management, Inc Trinity Management, Inc. Group Health and Welfare Wrap PlanAll plans | Oneonta | Fully insured | 441 | $3.2M | Blue Cross of California |
| Oak Crest Health and Wellness Opco LLC Arabella Health and WellnessAll plans | Bessemer | Mixed | 414 | $2.4M | Blue Cross of California |
| Atlas Senior Living II, LLC Atlas Senior Living II, LLC Employee Benefits PlanAll plans | Birmingham | Self-funded | 409 | - | - |
| Community Health Systems, Inc Community Health Systems Inc Welfare Benefit PlanAll plans | Orange Beach | Mixed | 408 | $169K | The Guardian Life Insurance Company of America |
| Plymouth Place, Incorporated Plymouth Place Health PlanAll plans | Lagrange Park | Fully insured | 241 | $1.9M | Blue Cross of California |
| Enterprise Health & Rehab Enterprise Nursing Home Welfare Benefit PlanAll plans | Enterprise | Fully insured | 239 | $1.4M | Blue Cross of California |
| Champion Rehab Resources, LLC Champion Rehab Resources, LLC Health & Welfare Benefit PlanAll plans | Gadsden | Fully insured | 199 | $1.9M | Blue Cross of California |
| Collinsville Nursing Home, Inc Collinsville Nursing Home Welfare Benefit PlanAll plans | Collinsville | Fully insured | 192 | $165K | Life Insurance Company of North America |
| Ability Plus, Inc Ability Plus, Inc. Welfare PlanAll plans | Huntsville | Mixed | 172 | $159K | The Guardian Life Insurance Company of America |
| The Learning Tree, Inc The Learning Tree, IncAll plans | Mobile | Fully insured | 147 | $1.5M | Blue Cross of California |
| Westminster Village, Inc Westminister Village, Inc. Flexible Spending PlanAll plans | Scottsdale | Fully insured | 142 | $523K | Cigna Health and Life Insurance Company |
| Kelley Health Holdings Kelley Health Holdings Health and Welfare Benefits PlanAll plans | Jasper | Mixed | 122 | $206K | American United Life Insurance Company |
Showing 15 of 18 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Alabama
- Huntsville3 plans · 439 participants
- Tuscaloosa2 plans · 9,674 participants
- Birmingham2 plans · 904 participants
- Collinsville2 plans · 319 participants
- Northport2 plans · 203 participants
- Vestavia1 plans · 571 participants
- Oneonta1 plans · 441 participants
- Bessemer1 plans · 414 participants
- Orange Beach1 plans · 408 participants
- Lagrange Park1 plans · 241 participants
- Enterprise1 plans · 239 participants
- Gadsden1 plans · 199 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Alabama offer an ERISA health plan?
22 health and welfare plans from 18 skilled nursing and residential care facilities in Alabama appear in plan year 2024 to 2025 filings on Form 5500, covering 14,576 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 skilled nursing and residential care facilities in Alabama?
By Schedule A premium: Blue Cross and Blue Shield of Alabama (67% of premium, 11 plans), Continental American Insurance Company (12% of premium, 1 plan) and Symetra Life Insurance Company (5% of premium, 1 plan).
Which benefits brokers work with skilled nursing and residential care facilities in Alabama?
By number of client plans: Marsh & McLennan Agency LLC (3 plans), Cobbs Allen & Hall (3 plans) and Lockton Companies, LLC (2 plans). 68% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Alabama?
The median brokered plan reports $35K a year in broker commissions and fees, or 12.4% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Alabama self-funded or fully insured?
Fully insured 59%, mixed 36% and self-funded 5%. Self-funded and mixed plans together make up 41%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Alabama
Open the welfare search with Alabama and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in Alabama
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Alabama.