Skilled nursing and residential care facilities in Massachusetts
PlanOptica tracks 52 health and welfare plans sponsored by 51 skilled nursing and residential care facilities in Massachusetts, covering 5,804,926 participants and $155M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 264 participants, and the most common size is 100 to 249 participants (42% of plans). The funding mix is split: 46% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Massachusetts, Inc leads by premium with a 43% share, followed by Harvard Pilgrim Health Care at 14%. NFP Corporate Services NY LLC is the broker of record on 8 plans, more than any other firm, ahead of Brown & Brown Insurance Serv. Inc (7). 96% of plans report broker compensation on Schedule A; the median brokered plan pays $75K a year, about 4.0% of premium. Waltham, Norwood and Newton have the most plans.
Funding mix
- Fully insured28 · 54%
- Mixed24 · 46%
Plan size (participants)
- Under 1003 · 6%
- 100 to 24922 · 42%
- 250 to 49913 · 25%
- 500 to 9994 · 8%
- 1,000 or more10 · 19%
Median plan: 264 participants. Median broker comp: 4.0% of premium across 50 brokered plans.
Top carriers, skilled nursing, Massachusetts
- 1Blue Cross Blue Shield of Massachusetts, Inc$66M20 plans · 42.6%
- 2Harvard Pilgrim Health Care$21M9 plans · 13.8%
- 3Health New England, Inc$20M4 plans · 12.8%
- 4Unitedhealthcare Insurance Company$12M6 plans · 7.9%
- 5Mass General Brigham Health Plan$12M5 plans · 7.5%
- 6Cigna Health and Life Insurance Company and Affiliates$3.7M2 plans · 2.4%
- 7Unum Life Insurance Company of America$3.5M17 plans · 2.3%
- 8Metropolitan Life Insurance Company$2.6M12 plans · 1.7%
- 9Tufts Associated Health Maintenance Org Inc$2.2M2 plans · 1.5%
- 10Life Insurance Company of North America$2.1M3 plans · 1.4%
Top brokers, skilled nursing, Massachusetts
- 1NFP Corporate Services NY LLC8 plans$341K comp · 16.0%
- 2Brown & Brown Insurance Serv. Inc7 plans$638K comp · 14.0%
- 3Hub International New England LLC6 plans$634K comp · 12.0%
- 4Marsh & McLennan Agency LLC6 plans$320K comp · 12.0%
- 5Enrollment Solutions Ltd6 plans$63K comp · 12.0%
- 6Unknown5 plans$249K comp · 10.0%
- 7Indigo Insurance Services LLC5 plans$65K comp · 10.0%
- 8Mary-Joyce Licata5 plans$5K comp · 10.0%
- 9Fleury Enterprises Inc5 plans$486 comp · 10.0%
- 10Usi Insurance Services LLC4 plans$440K comp · 8.0%
Largest skilled nursing and residential care facilities in Massachusetts
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Sherrill House Sherrill House Employee Benefits PlanAll plans | Jamaica Plain | Fully insured | 5,771,386 | $1.5M | Harvard Pilgrim Health Care |
| Alerislife Inc Alerislife Inc. Benefits PlanAll plans | Newton | Mixed | 5,912 | $3.2M | Metropolitan Life Insurance Company |
| Benchmark Senior Living, LLC Benchmark Senior Living Benefits PlanAll plans | Waltham | Mixed | 4,780 | $2.0M | Unum Life Insurance Company of America |
| Hebrew Seniorlife Hebrew Seniorlife Health and Welfare PlanAll plans | Roslindale | Mixed | 2,362 | $2.0M | Blue Cross of California |
| Vinfen Corporation Vinfen Corporation Group Health and Welfare PlanAll plans | Cambridge | Fully insured | 2,197 | $24M | Blue Cross of California |
| LCB Senior Living, LLC LCB Senior Living LLC Welfare PlanAll plans | Norwood | Fully insured | 2,195 | $15M | Blue Cross of California |
| Bay Cove Human Services, Inc Bay Cove Human Services, Inc. Health and Welfare PlanAll plans | Boston | Fully insured | 1,620 | $12M | Blue Cross of California |
| Integritus Healthcare Berkshire Healthcare Systems, Inc. Health & Welfare Benefits PlanAll plans | Pittsfield | Mixed | 1,527 | $15M | Health New England, Inc |
| Stafford Management Company, LLC Stafford Management Company, LLC Health and Welfare PlansAll plans | Burlington | Mixed | 1,196 | $700K | Delta Dental of California |
| Servicenet, Inc Flexible Benefits Plan for Servicenet, IncAll plans | Northampton | Mixed | 1,059 | $211K | Reliance Standard Life Insurance Company |
| Alliance Health, Inc Alliance Health, Inc. Health and Welfare Benefit PlanAll plans | Southborough | Fully insured | 770 | $6.0M | Unitedhealthcare Insurance Company |
| Spectrum Health Systems, Inc Spectrum Health Systems, Inc. Health and Welfare PlanAll plans | Westborough | Mixed | 721 | $1.8M | Harvard Pilgrim Health Care |
| Epoch Senior Living, LLC Epoch Senior Living Group Welfare PlanAll plans | Waltham | Fully insured | 647 | $6.2M | Blue Cross of California |
| Continuing Care Management (Formerly Salmon Health) Salmon Health & Retirement Health & Welfare Benefits PlanAll plans | Westborough | Fully insured | 636 | $3.8M | Cigna Health and Life Insurance Company |
| Berkshire County Arc, Inc Berkshire County Arc Section 125 Cafeteria PlanAll plans | Pittsfield | Mixed | 475 | $5.1M | Health New England, Inc |
Showing 15 of 51 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Massachusetts
- Waltham3 plans · 5,691 participants
- Norwood3 plans · 2,542 participants
- Newton2 plans · 6,319 participants
- Pittsfield2 plans · 2,002 participants
- Boston2 plans · 1,780 participants
- Westborough2 plans · 1,357 participants
- Haverhill2 plans · 796 participants
- LYNN2 plans · 533 participants
- Worcester2 plans · 432 participants
- Norwell2 plans · 385 participants
- Winchester2 plans · 287 participants
- Milford2 plans · 0 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Massachusetts offer an ERISA health plan?
52 health and welfare plans from 51 skilled nursing and residential care facilities in Massachusetts appear in plan year 2024 to 2025 filings on Form 5500, covering 5,804,926 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 Massachusetts?
By Schedule A premium: Blue Cross Blue Shield of Massachusetts, Inc (43% of premium, 20 plans), Harvard Pilgrim Health Care (14% of premium, 9 plans) and Health New England, Inc (13% of premium, 4 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Massachusetts?
By number of client plans: NFP Corporate Services NY LLC (8 plans), Brown & Brown Insurance Serv. Inc (7 plans) and Hub International New England LLC (6 plans). 96% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Massachusetts?
The median brokered plan reports $75K a year in broker commissions and fees, or 4.0% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Massachusetts self-funded or fully insured?
Fully insured 54% and mixed 46%. Self-funded and mixed plans together make up 46%.
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 Massachusetts
Open the welfare search with Massachusetts 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 Massachusetts
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 Massachusetts.