Skilled nursing and residential care facilities in Michigan
PlanOptica tracks 44 health and welfare plans sponsored by 39 skilled nursing and residential care facilities in Michigan, covering 25,951 participants and $106M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 250 participants, and the most common size is 100 to 249 participants (36% of plans). Fully insured coverage is the norm (73% of plans); only 25% are self-funded or mixed.
Priority Health leads by premium with a 34% share, followed by Blue Care Network of Michigan at 25%. Brown & Brown Ins Services, Inc is the broker of record on 8 plans, more than any other firm, ahead of Hub International Midwest Limited (8). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $44K a year, about 5.1% of premium. Grand Rapids, Kalamazoo and Brighton have the most plans.
Funding mix
- Fully insured32 · 73%
- Mixed11 · 25%
- MEWA1 · 2%
Plan size (participants)
- Under 1006 · 14%
- 100 to 24916 · 36%
- 250 to 49911 · 25%
- 500 to 9995 · 11%
- 1,000 or more6 · 14%
Median plan: 250 participants. Median broker comp: 5.1% of premium across 44 brokered plans.
Top carriers, skilled nursing, Michigan
- 1Priority Health$36M6 plans · 34.2%
- 2Blue Care Network of Michigan$26M17 plans · 24.7%
- 3Blue Cross Blue Shield of Michigan$23M17 plans · 21.6%
- 4Metropolitan Life Insurance Company$3.3M2 plans · 3.1%
- 5Aflac$2.4M3 plans · 2.3%
- 6Symetra Life Insurance Company$2.3M2 plans · 2.1%
- 7Delta Dental of Michigan$1.4M12 plans · 1.3%
- 8Hartford Life and Accident$1.2M2 plans · 1.1%
- 9The Lincoln National Life Insurance Company$1.2M7 plans · 1.1%
- 10University of Michigan Health Plan$1.1M1 plans · 1.1%
Top brokers, skilled nursing, Michigan
- 1Brown & Brown Ins Services, Inc8 plans$224K comp · 18.2%
- 2Hub International Midwest Limited8 plans$175K comp · 18.2%
- 3Marsh & McLennan Agency LLC6 plans$151K comp · 13.6%
- 4Advantage Benefits Group5 plans$34K comp · 11.4%
- 5Assured Partners of Mi LLC4 plans$90K comp · 9.1%
- 6Centro Benefits Research LLC4 plans$23K comp · 9.1%
- 7Strategic Non-Medical Sltns, LLC4 plans$22K comp · 9.1%
- 8Kevin D. Cumings3 plans$154K comp · 6.8%
- 9Acrisure LLC3 plans$31K comp · 6.8%
- 10Schiller & Associates LLC3 plans$4K comp · 6.8%
Largest skilled nursing and residential care facilities in Michigan
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Ciena Healthcare Management, Inc Health and Welfare Plan Ciena Healthcare Management, Inc Health and Welfare PlanAll plans | Southfield | Fully insured | 6,059 | $23M | Blue Cross of California |
| Optalis Professional Services, LLC Optalis Professional Services, LLC Welfare Benefit PlanAll plans | Novi | Mixed | 3,769 | $3.3M | Metropolitan Life Insurance Company |
| Beacon Specialized Living Services, Inc Beacon Specialized Living Services, Inc. Health and Welfare PlanAll plans | Kalamazoo | Fully insured | 1,886 | $10M | Blue Cross of California |
| Nexcare Health Systems, LLC Nexcare Health and Welfare Benefit PlanAll plans | Brighton | Fully insured | 1,477 | $507K | American United Life Insurance Company |
| Holland Home Holland Home Employee Benefit PlanAll plans | Grand Rapids | Mixed | 1,101 | $8.8M | Blue Care Network of Michigan |
| Pace Southeast Michigan Pace Southeast Michigan Health PlanAll plans | Southfield | Mixed | 1,022 | $9.3M | Priority Health |
| United Methodist Retirement Communities Umrc Health and Welfare PlanAll plans | Chelsea | MEWA | 913 | $1.1M | Standard Insurance Company |
| Hospice of Michigan Hospice of Michigan Benefit PlanAll plans | Ann Arbor | Mixed | 904 | $11M | Priority Health |
| The Peplinski Group, Inc The Peplinski Group, Inc. Welfare Benefits PlanAll plans | Farwell | Fully insured | 699 | $5.2M | Priority Health |
| Cardinal Senior Living Cardinal Senior Living Employment Benefit PlanAll plans | Grand Rapids | Mixed | 669 | $420K | The Guardian Life Insurance Company of America |
| Baruch SLS Inc Baruch Senior Ministries Eap PlanAll plans | Grand Rapids | Fully insured | 600 | $12K | Pine Rest |
| Pomeroy Living Management, LLC Pomeroy Living Management LLC Welfare Benefit PlanAll plans | Troy | Fully insured | 426 | $2.3M | Priority Health |
| Resilire Neurorehabilitation, LLC Resilire Neurorehabilitation, LLC Wrap Benefit PlanAll plans | Brighton | Fully insured | 419 | $2.0M | Blue Care Network of Michigan |
| DRSN Associates DRSN Associates Employee Benefits PlanAll plans | Bingham Farms | Fully insured | 383 | $2.0M | Blue Care Network of Michigan |
| Living Alternatives for the Developmentally Disabled, Inc Living Alternatives for the Developmentally Disabled, Inc. Welfare PlanAll plans | Dowagiac | Fully insured | 330 | $1.6M | Blue Cross of California |
Showing 15 of 39 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Michigan
- Grand Rapids8 plans · 3,558 participants
- Kalamazoo5 plans · 2,494 participants
- Brighton3 plans · 2,198 participants
- Southfield2 plans · 7,081 participants
- Novi2 plans · 3,931 participants
- Ann Arbor2 plans · 1,143 participants
- Alma2 plans · 268 participants
- Mount Pleasant2 plans · 238 participants
- Chelsea1 plans · 913 participants
- Farwell1 plans · 699 participants
- Troy1 plans · 426 participants
- Bingham Farms1 plans · 383 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Michigan offer an ERISA health plan?
44 health and welfare plans from 39 skilled nursing and residential care facilities in Michigan appear in plan year 2024 to 2025 filings on Form 5500, covering 25,951 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 Michigan?
By Schedule A premium: Priority Health (34% of premium, 6 plans), Blue Care Network of Michigan (25% of premium, 17 plans) and Blue Cross Blue Shield of Michigan (22% of premium, 17 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Michigan?
By number of client plans: Brown & Brown Ins Services, Inc (8 plans), Hub International Midwest Limited (8 plans) and Marsh & McLennan Agency LLC (6 plans). 100% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Michigan?
The median brokered plan reports $44K a year in broker commissions and fees, or 5.1% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Michigan self-funded or fully insured?
Fully insured 73%, mixed 25% and MEWA 2%. Self-funded and mixed plans together make up 25%.
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 Michigan
Open the welfare search with Michigan 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 Michigan
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 Michigan.