Skilled nursing and residential care facilities in California
PlanOptica tracks 137 health and welfare plans sponsored by 124 skilled nursing and residential care facilities in California, covering 125,349 participants and $485M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 224 participants, and the most common size is 100 to 249 participants (45% of plans). Fully insured coverage is the norm (76% of plans); only 23% are self-funded or mixed.
Kaiser Foundation Health Plan, Inc dominates premium with a 54% share, followed by Unitedhealthcare Insurance Company at 9%. Hub International Ins Svcs Inc is the broker of record on 19 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (17). 90% of plans report broker compensation on Schedule A; the median brokered plan pays $83K a year, about 5.7% of premium. Carlsbad, San Diego and Los Angeles have the most plans.
Funding mix
- Fully insured104 · 76%
- Mixed20 · 15%
- Self-funded11 · 8%
- MEWA1 · 1%
- Unknown1 · 1%
Plan size (participants)
- Under 10016 · 12%
- 100 to 24962 · 45%
- 250 to 49920 · 15%
- 500 to 99913 · 9%
- 1,000 or more26 · 19%
Median plan: 224 participants. Median broker comp: 5.7% of premium across 123 brokered plans.
Top carriers, skilled nursing, California
- 1Kaiser Foundation Health Plan, Inc$262M68 plans · 54.0%
- 2Unitedhealthcare Insurance Company$42M12 plans · 8.7%
- 3Blue Cross of California$36M20 plans · 7.5%
- 4Aetna Life Insurance Company$30M16 plans · 6.2%
- 5California Physicians Service$20M13 plans · 4.1%
- 6Unum Life Insurance Company of America$11M24 plans · 2.3%
- 7Cigna Health and Life Insurance Company and Affiliates$10M9 plans · 2.1%
- 8Metropolitan Life Insurance Company$8.5M29 plans · 1.7%
- 9Anthem Blue Cross Life and Health Insurance Company$7.5M16 plans · 1.6%
- 10Sutter Health Plan$6.4M8 plans · 1.3%
Top brokers, skilled nursing, California
- 1Hub International Ins Svcs Inc19 plans$518K comp · 15.4%
- 2Marsh & McLennan Agency LLC17 plans$2.1M comp · 13.8%
- 3Lockton Companies, LLC12 plans$2.6M comp · 9.8%
- 4Warner Pacific Insurance Services10 plans$185K comp · 8.1%
- 5Amwins Connect Insurance Services10 plans$94K comp · 8.1%
- 6Relation Insurance Services, Inc9 plans$1.1M comp · 7.3%
- 7Acrisure of California LLC9 plans$615K comp · 7.3%
- 8Centro Benefits Research LLC8 plans$61K comp · 6.5%
- 9Alliant Insurance Services, Inc7 plans$1.1M comp · 5.7%
- 10Gallagher Benefit Services, Inc7 plans$733K comp · 5.7%
Largest skilled nursing and residential care facilities in California
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Ensign Services, Inc Ensign Services, Inc. Comprehensive Health and Welfare Benefit PlanAll plans | San Juan Capistrano | Fully insured | 35,555 | $30M | Kaiser Foundation Health Plan Inc |
| Oakmont Management Group LLC Oakmont Management Group Health and Welfare PlanAll plans | Irvine | Fully insured | 6,207 | $20M | Kaiser Foundation Health Plan Inc |
| Humangood Norcal Humangood Employee Benefit PlanAll plans | Duarte | Fully insured | 5,815 | $9.4M | Kaiser Foundation Health Plan Inc |
| Telecare Corporation Telecare Corporation Group Welfare PlanAll plans | Alameda | Fully insured | 3,884 | $57M | Kaiser Foundation Health Plan Inc |
| Links Healthcare Links Healthcare Welfare Benefits PlanAll plans | San Diego | Fully insured | 3,543 | $21M | Kaiser Foundation Health Plan Inc |
| Rockport Administrative Services, LLC Rockport Administrative Services Clients Health PlanAll plans | Glendale | Fully insured | 3,459 | $22M | Kaiser Foundation Health Plan Inc |
| Board of Trustees of California Nurses Association Benefit Trust California Nurses Association Benefit TrustAll plans | Dublin | Fully insured | 3,300 | $2.1M | Unum Life Insurance Company of America |
| Covenant Care California, LLC Covenant Care California, LLC Employee Life and AD&DAll plans | Aliso Viejo | Fully insured | 3,097 | $232K | Unum Life Insurance Company of America |
| Aspen Skilled Healthcare, Inc Aspen Skilled Healthcare, Inc. Welfare Benefits PlanAll plans | Laguna Niguel | Fully insured | 3,038 | $17M | Unitedhealthcare Insurance Company |
| Redwood Family Care Network Redwood Family Care Network, LLC Health & Welfare PlanAll plans | Chino Hills | Fully insured | 2,727 | $7.8M | Kaiser Foundation Health Plan Inc |
| Crestwood Behavioral Health, Inc Crestwood Health and Welfare Benefit PlanAll plans | Stockton | Mixed | 2,710 | $22M | Kaiser Foundation Health Plan Inc |
| Sweetwater Care Resources, LLC Sweetwater Care, LLC Employee Benefits PlanAll plans | Carlsbad | Fully insured | 2,184 | $11M | Blue Cross of California |
| Front Porch Front Porch Welfare Benefits PlanAll plans | Glendale | Fully insured | 2,091 | $23M | Kaiser Foundation Health Plan Inc |
| Bayshire LLC Bayshire LLC Health & Welfare Benefit PlanAll plans | Escondido | Mixed | 1,944 | $1.5M | Kaiser Foundation Health Plan Inc |
| Senior Resource Group, LLC SRG Operating, Inc. Health and Welfare PlanAll plans | Solana Beach | Fully insured | 1,842 | $1.4M | Aetna Life Insurance Company |
Showing 15 of 124 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in California
- Carlsbad9 plans · 6,406 participants
- San Diego8 plans · 5,940 participants
- Los Angeles6 plans · 2,462 participants
- San Francisco6 plans · 1,379 participants
- Irvine5 plans · 11,441 participants
- Aliso Viejo4 plans · 5,902 participants
- Turlock4 plans · 451 participants
- Glendale3 plans · 5,757 participants
- Delano3 plans · 362 participants
- Newport Beach3 plans · 346 participants
- Alameda2 plans · 3,884 participants
- Stockton2 plans · 2,951 participants
Frequently asked questions
How many skilled nursing and residential care facilities in California offer an ERISA health plan?
137 health and welfare plans from 124 skilled nursing and residential care facilities in California appear in plan year 2024 to 2025 filings on Form 5500, covering 125,349 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 California?
By Schedule A premium: Kaiser Foundation Health Plan, Inc (54% of premium, 68 plans), Unitedhealthcare Insurance Company (9% of premium, 12 plans) and Blue Cross of California (7% of premium, 20 plans).
Which benefits brokers work with skilled nursing and residential care facilities in California?
By number of client plans: Hub International Ins Svcs Inc (19 plans), Marsh & McLennan Agency LLC (17 plans) and Lockton Companies, LLC (12 plans). 90% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in California?
The median brokered plan reports $83K a year in broker commissions and fees, or 5.7% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in California self-funded or fully insured?
Fully insured 76%, mixed 15% and self-funded 8%. Self-funded and mixed plans together make up 23%.
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 California
Open the welfare search with California 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 California
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 California.