Skilled nursing and residential care facilities in Colorado
PlanOptica tracks 26 health and welfare plans sponsored by 23 skilled nursing and residential care facilities in Colorado, covering 12,426 participants and $16M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 165 participants, and the most common size is 100 to 249 participants (31% of plans). The funding mix is split: 54% of plans are self-funded or mixed and the rest are mainly fully insured.
Aetna Life Insurance Co leads by premium with a 20% share, followed by Kaiser Foundation Health Plan of Colorado at 15%. Lockton Companies, LLC is the broker of record on 5 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (5). 88% of plans report broker compensation on Schedule A; the median brokered plan pays $35K a year, about 10.1% of premium. Denver, Englewood and Littleton have the most plans.
Funding mix
- Mixed13 · 50%
- Fully insured11 · 42%
- Self-funded1 · 4%
- MEWA1 · 4%
Plan size (participants)
- Under 1007 · 27%
- 100 to 2498 · 31%
- 250 to 4994 · 15%
- 500 to 9994 · 15%
- 1,000 or more3 · 12%
Median plan: 165 participants. Median broker comp: 10.1% of premium across 23 brokered plans.
Top carriers, skilled nursing, Colorado
- 1Aetna Life Insurance Co$3.2M1 plans · 20.3%
- 2Kaiser Foundation Health Plan of Colorado$2.3M3 plans · 14.9%
- 3Cigna Health and Life Insurance Company$2.1M7 plans · 13.4%
- 4Lincoln National Life Insurance Company$2.1M5 plans · 13.4%
- 5The Guardian Life Insurance Company of America$1.4M3 plans · 9.3%
- 6Delta Dental of Colorado$1.4M4 plans · 9.0%
- 7Standard Insurance Company$432K4 plans · 2.8%
- 8The Hartford Insurance Group$385K2 plans · 2.5%
- 9Life Insurance Company of North America$343K2 plans · 2.2%
- 10Reliance Standard Life Insurance Company$318K1 plans · 2.0%
Top brokers, skilled nursing, Colorado
- 1Lockton Companies, LLC5 plans$413K comp · 21.7%
- 2Marsh & McLennan Agency LLC5 plans$152K comp · 21.7%
- 3Usi Insurance Services LLC3 plans$645K comp · 13.0%
- 4Ima, Inc3 plans$12K comp · 13.0%
- 5Centerstone Insurance Fin Svcs3 plans$10K comp · 13.0%
- 6Hub International Ins Services2 plans$58K comp · 8.7%
- 7Alera Group, Inc2 plans$44K comp · 8.7%
- 8Shirazi Miller Benefits, LLC2 plans$28K comp · 8.7%
- 9Assuredpartners of Oregon LLC2 plans$4K comp · 8.7%
- 10Warner Pacific Ins Services2 plans$2K comp · 8.7%
Largest skilled nursing and residential care facilities in Colorado
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Spectrum Retirement Communities LLC and Subsidiaries Spectrum Retirement Communities LLC Welfare Benefit PlanAll plans | Denver | Mixed | 2,546 | $709K | Hartford Life and Accident |
| Morningstar Senior Management, LLC Morningstar Senior Management, LLC Welfare Benefit PlanAll plans | Englewood | Mixed | 2,344 | $1.1M | The Guardian Life Insurance Company of America |
| Ingenovis Ingenovis Health & Welfare Benefits PlanAll plans | Greenwood Village | Fully insured | 1,720 | $3.3M | The Lincoln National Life Insurance Company |
| Solera Senior Management Solera Senior Management Benefit PlanAll plans | Denver | Fully insured | 835 | $3.4M | Aetna Life Insurance Company |
| Columbine Health Systems Columbine Health Systems Employee Benefits ProgramAll plans | Fort Collins | Mixed | 673 | $495K | Delta Dental of California |
| Goodworks Unlimited, LLC Goodworks Unlimited, LLC Employee Benefits PlanAll plans | Kittredge | Mixed | 539 | $355K | The Guardian Life Insurance Company of America |
| Experience Senior Living Experience Senior Living Life and Disability PlanAll plans | Denver | Fully insured | 526 | $60K | Metropolitan Life Insurance Company |
| Christian Living Communities Christian Living Campus Management Services, Inc. Flexible Benefit PlanAll plans | Englewood | Mixed | 467 | $438K | Cigna Health and Life Insurance Company |
| Hilltop Community Resources, Inc Hilltop Community Resources, Inc. Group Benefit PlanAll plans | Grand Junction | Mixed | 400 | $163K | Unum Life Insurance Company of America |
| Tru Community Care Tru Community Care Health PlanAll plans | Lafayette | Fully insured | 329 | $1.1M | Cigna Health and Life Insurance Company |
| Alc Management, LLC Alc Management, LLC Employee Benefits PlanAll plans | Centennial | Mixed | 313 | $219K | Principal Life Insurance Company |
| Shiloh Home, Inc Shiloh Home, Inc. Employee Benefits PlanAll plans | Littleton | Fully insured | 165 | $732K | Kaiser Foundation Health Plan Inc |
| Cedar Point Health, LLC Cedar Point Health, LLC Dental, Vision & Life PlanAll plans | Montrose | Mixed | 165 | $65K | Standard Insurance Company |
| Frasier Meadows Manor Frasier Meadows Manor Welfare Benefit PlanAll plans | Boulder | Fully insured | 164 | $752K | Cigna Health and Life Insurance Company |
| Continuum Health Management, LLC Continuum Health Management Health and Welfare Benefit PlanAll plans | Greeley | Mixed | 161 | $104K | United of Omaha Life Insurance Company |
Showing 15 of 23 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Colorado
- Denver6 plans · 4,290 participants
- Englewood2 plans · 2,811 participants
- Littleton2 plans · 330 participants
- Colorado Springs2 plans · 92 participants
- Greenwood Village1 plans · 1,720 participants
- Fort Collins1 plans · 673 participants
- Kittredge1 plans · 539 participants
- Grand Junction1 plans · 400 participants
- Lafayette1 plans · 329 participants
- Centennial1 plans · 313 participants
- Montrose1 plans · 165 participants
- Boulder1 plans · 164 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Colorado offer an ERISA health plan?
26 health and welfare plans from 23 skilled nursing and residential care facilities in Colorado appear in plan year 2024 to 2025 filings on Form 5500, covering 12,426 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 Colorado?
By Schedule A premium: Aetna Life Insurance Co (20% of premium, 1 plan), Kaiser Foundation Health Plan of Colorado (15% of premium, 3 plans) and Cigna Health and Life Insurance Company (13% of premium, 7 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Colorado?
By number of client plans: Lockton Companies, LLC (5 plans), Marsh & McLennan Agency LLC (5 plans) and Usi Insurance Services LLC (3 plans). 88% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Colorado?
The median brokered plan reports $35K a year in broker commissions and fees, or 10.1% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Colorado self-funded or fully insured?
Mixed 50%, fully insured 42% and self-funded 4%. Self-funded and mixed plans together make up 54%.
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 Colorado
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Skilled nursing in nearby states
Other healthcare specialties in Colorado
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 Colorado.