Skilled nursing and residential care facilities in Minnesota
PlanOptica tracks 79 health and welfare plans sponsored by 55 skilled nursing and residential care facilities in Minnesota, covering 75,928 participants and $120M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 223 participants, and the most common size is 100 to 249 participants (41% of plans). The funding mix is split: 53% of plans are self-funded or mixed and the rest are mainly fully insured.
Medica Insurance Company leads by premium with a 25% share, followed by Blue Cross and Blue Shield of Minnesota and Blue Plus at 23%. Usi Insurance Services LLC is the broker of record on 10 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (10). 87% of plans report broker compensation on Schedule A; the median brokered plan pays $45K a year, about 10.1% of premium. Minneapolis, Mankato and Moorhead have the most plans.
Funding mix
- Fully insured37 · 47%
- Mixed32 · 41%
- Self-funded10 · 13%
Plan size (participants)
- Under 10013 · 16%
- 100 to 24932 · 41%
- 250 to 49912 · 15%
- 500 to 9995 · 6%
- 1,000 or more17 · 22%
Median plan: 223 participants. Median broker comp: 10.1% of premium across 69 brokered plans.
Top carriers, skilled nursing, Minnesota
- 1Medica Insurance Company$30M5 plans · 25.0%
- 2Blue Cross and Blue Shield of Minnesota and Blue Plus$27M8 plans · 22.7%
- 3Metropolitan Life Insurance Company$9.2M17 plans · 7.7%
- 4Kaiser Foundation Health Plan Inc$8.5M3 plans · 7.1%
- 5Unitedhealthcare Insurance Company$7.9M6 plans · 6.6%
- 6Healthpartners Insurance Company$7.5M4 plans · 6.3%
- 7Reliaster Life Insurance Company$7.0M3 plans · 5.8%
- 8Delta Dental of MA$4.0M7 plans · 3.4%
- 9Sanford Health Plan$2.8M2 plans · 2.3%
- 10United of Omaha Life Insurance Company$2.0M9 plans · 1.6%
Top brokers, skilled nursing, Minnesota
- 1Usi Insurance Services LLC10 plans$763K comp · 14.5%
- 2Marsh & McLennan Agency LLC10 plans$672K comp · 14.5%
- 3Christensen Group, Inc9 plans$329K comp · 13.0%
- 4Gallagher Benefit Services Inc7 plans$494K comp · 10.1%
- 5NFP Corporate Services, Inc6 plans$101K comp · 8.7%
- 6Digital Insurance, LLC5 plans$260K comp · 7.2%
- 7National Enrollment Partners LLC5 plans$102K comp · 7.2%
- 8Lockton Companies, LLC4 plans$426K comp · 5.8%
- 9Brown & Brown Ins. Services, Inc4 plans$327K comp · 5.8%
- 10Hub International Northeast Limited4 plans$158K comp · 5.8%
Largest skilled nursing and residential care facilities in Minnesota
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| National Mentor Holdings, LLC Sevita Welfare Benefits PlanAll plans | Edina | Fully insured | 28,546 | $25M | Reliance Standard Life Insurance Company |
| Dungarvin, Inc Dungarvin Inc Employee Benefit PlanAll plans | Mendota Heights | Fully insured | 4,774 | $1.9M | Standard Insurance Company |
| Presbyterian Homes & Services Presbyterian Homes & Services Health and Welfare Benefit PlanAll plans | Roseville | Mixed | 3,773 | $1.8M | Symetra Life Insurance Company |
| Ebenezer Society Ebenezer Society Welfare Benefit PlanAll plans | Edina | Mixed | 2,678 | $1.1M | Unum Life Insurance Company of America |
| Ecumen Ecumen Benefit PlanAll plans | Shoreview | Mixed | 2,556 | $694K | Life Insurance Company of North America |
| Monarch Healthcare Management Monarch Healthcare Health and Welfare PlanAll plans | Mankato | Fully insured | 2,517 | $196K | Metropolitan Life Insurance Company |
| Cassia Cassia Health and Welfare Benefit PlanAll plans | Edina | Mixed | 2,424 | $22M | Medica Insurance Company |
| Vivie Vivie Health and Welfare PlanAll plans | Alexandria | Mixed | 1,478 | $524K | Metropolitan Life Insurance Company |
| St. Francis Health Services of Morris St. Francis Health Services Employee Health and Welfare PlanAll plans | Morris | Mixed | 1,179 | $1.0M | United of Omaha Life Insurance Company |
| American Baptist Homes of the Midwest American Baptist Homes of the Midwest Health and Welfare PlanAll plans | Eden Prairie | Mixed | 1,005 | $2.1M | Kaiser Foundation Health Plan Inc |
| Hammer Residences, Inc Hammer Residences, Inc. Group Disability and Group Life PlanAll plans | Wayzata | Mixed | 599 | $366K | The Guardian Life Insurance Company of America |
| Saint Therese Saint Therese and Affiliates Employee Benefit PlanAll plans | Saint Louis Park | Mixed | 592 | $3.6M | Blue Cross of California |
| Eventide Lutheran Home of Moorhead Eventide Lutheran Home Employee Benefit Plan and TAll plans | Moorhead | Fully insured | 539 | $7.5M | Healthpartners Insurance Company |
| The Waters Senior Living Management, LLC The Waters Senior Living Management, LLC Welfare Benefits PlanAll plans | Minnetonka | Mixed | 500 | $411K | Standard Insurance Company |
| Thomas Allen, Inc Thomas Allen, Inc. Health PlanAll plans | West St Paul | Mixed | 480 | $272K | Metropolitan Life Insurance Company |
Showing 15 of 55 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Minnesota
- Minneapolis12 plans · 857 participants
- Mankato6 plans · 10,835 participants
- Moorhead5 plans · 1,288 participants
- Edina4 plans · 35,180 participants
- Bloomington4 plans · 851 participants
- Mendota Heights3 plans · 7,659 participants
- Wayzata3 plans · 1,031 participants
- Rochester3 plans · 313 participants
- Roseville2 plans · 3,985 participants
- Morris2 plans · 1,847 participants
- Alexandria2 plans · 1,478 participants
- Saint Louis Park2 plans · 762 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Minnesota offer an ERISA health plan?
79 health and welfare plans from 55 skilled nursing and residential care facilities in Minnesota appear in plan year 2024 to 2025 filings on Form 5500, covering 75,928 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 Minnesota?
By Schedule A premium: Medica Insurance Company (25% of premium, 5 plans), Blue Cross and Blue Shield of Minnesota and Blue Plus (23% of premium, 8 plans) and Metropolitan Life Insurance Company (8% of premium, 17 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Minnesota?
By number of client plans: Usi Insurance Services LLC (10 plans), Marsh & McLennan Agency LLC (10 plans) and Christensen Group, Inc (9 plans). 87% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Minnesota?
The median brokered plan reports $45K 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 Minnesota self-funded or fully insured?
Fully insured 47%, mixed 41% and self-funded 13%. Self-funded and mixed plans together make up 53%.
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 Minnesota
Open the welfare search with Minnesota 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 Minnesota
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 Minnesota.