Skilled nursing and residential care facilities in New York
PlanOptica tracks 188 health and welfare plans sponsored by 151 skilled nursing and residential care facilities in New York, covering 127,039 participants and $277M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 244 participants, and the most common size is 100 to 249 participants (40% of plans). The funding mix is split: 57% of plans are self-funded or mixed and the rest are mainly fully insured.
Highmark Northeastern New York leads by premium with a 22% share, followed by Cigna Health and Life Insurance Company at 15%. Hub International Northeast Limited is the broker of record on 19 plans, more than any other firm, ahead of Fna Insurance Services Inc (19). 77% of plans report broker compensation on Schedule A; the median brokered plan pays $54K a year, about 6.2% of premium. Brooklyn, Rochester and Albany have the most plans.
Funding mix
- Fully insured79 · 42%
- Mixed62 · 33%
- Self-funded45 · 24%
- MEWA1 · 1%
- Unknown1 · 1%
Plan size (participants)
- Under 10023 · 12%
- 100 to 24975 · 40%
- 250 to 49942 · 22%
- 500 to 99925 · 13%
- 1,000 or more23 · 12%
Median plan: 244 participants. Median broker comp: 6.2% of premium across 145 brokered plans.
Top carriers, skilled nursing, New York
- 1Highmark Northeastern New York$60M22 plans · 21.8%
- 2Cigna Health and Life Insurance Company$42M15 plans · 15.3%
- 3Capital District Physician's Health Plan Inc$37M12 plans · 13.4%
- 4Unitedhealthcare Insurance Company$34M16 plans · 12.3%
- 5Aetna Life Insurance Company$24M25 plans · 8.5%
- 6Independent Health Benefits Corporation$11M2 plans · 3.9%
- 7Anthem Blue Cross and Blue Shield$9.2M14 plans · 3.3%
- 8Emblemhealth$6.9M7 plans · 2.5%
- 9Metropolitan Life Insurance Company$6.9M26 plans · 2.5%
- 10Guardian$5.7M36 plans · 2.1%
Top brokers, skilled nursing, New York
- 1Hub International Northeast Limited19 plans$1.2M comp · 13.1%
- 2Fna Insurance Services Inc19 plans$652K comp · 13.1%
- 3Emerson Rogers, LLC15 plans$248K comp · 10.3%
- 4Brown & Brown of New York , Inc13 plans$779K comp · 9.0%
- 5Marshall&Sterling Employee Benefits11 plans$1.2M comp · 7.6%
- 6Usi Insurance Services LLC10 plans$339K comp · 6.9%
- 7NFP Corporate Services NY LLC8 plans$627K comp · 5.5%
- 8Gallagher Benefit Services Inc8 plans$349K comp · 5.5%
- 9James R Nelligan & Associates LLC6 plans$55K comp · 4.1%
- 10Corporate Synergies Group LLC5 plans$527K comp · 3.4%
Largest skilled nursing and residential care facilities in New York
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| 1199 SEIU/Greater New York Job Security 1199 SEIU/Greater New York Job Security FundAll plans | New York | Unknown | 15,232 | - | - |
| Centers for Care LLC Centers for Care Health Plan NPAll plans | Bronx | Self-funded | 11,864 | - | - |
| Riverside Health Care Center, Inc National Health Care Assoc., Inc. & Affiliates Voluntary Employee Benefit Assoc. PlanAll plans | Valley Stream | Mixed | 5,747 | $8.2M | Hartford Life and Accident |
| Elderwood Administrative Services, LLC Elderwood Administrative Services, LLC Health and Welfare Benefits PlanAll plans | Buffalo | Mixed | 4,443 | $2.0M | The Guardian Life Insurance Company of America |
| Board of Trustees MA State Health Care Professionals' Dental Fund Massachusetts State Health Care Professionals' Dental FundAll plans | White Plains | Mixed | 4,353 | $147K | HM Life Insurance Company |
| Heritage Christian Services, Inc Heritage Christian Services, Inc. Health & Welfare Benefits PlanAll plans | Rochester | Mixed | 3,933 | $11M | Blue Cross of California |
| Family Residences & Essential Enterprises Inc Family Residences & Essential Enterprises Inc. Welfare PlanAll plans | Bethpage | Mixed | 2,684 | $17M | Cigna Health and Life Insurance Company |
| Promesa, Inc Promesa, Inc. Employee Benefits PlanAll plans | Bronx | Fully insured | 2,198 | $1.2M | Aetna Life Insurance Company |
| Ultimate Care New York, LLC Ultimate Care/Engel Burman Health and Dental Insurance PlanAll plans | Bohemia | Fully insured | 2,159 | $15M | Unitedhealthcare Insurance Company |
| Metropolitan Jewish Health System Metropolitan Jewish Health System Severance Pay PlanAll plans | New York | Self-funded | 2,154 | - | - |
| Loretto Management Corporation Loretto Management Corporation Health and Welfare Benefit PlanAll plans | Syracuse | Mixed | 2,076 | $658K | Sun Life Assurance Company of Canada |
| The Carmelite System, Inc Carmelite System, Inc. Health and Welfare PlanAll plans | Germantown | Mixed | 1,862 | $828K | Metropolitan Life Insurance Company |
| Center for Disability Services Center for Disability Services Health and Welfare Wrap PlanAll plans | Albany | Fully insured | 1,431 | $9.5M | MVP Health Care |
| Aom Healthcare Aom HealthcareAll plans | Brooklyn | Fully insured | 1,411 | $291K | Cigna Health and Life Insurance Company |
| B & H Healthcare Services, Inc. Dba Nursing Personnel Homecare B & H Healthcare Services, Inc. Dba Nursing Personnel Homecare Employee Benefit PlanAll plans | Brooklyn | Mixed | 1,366 | $508K | Unitedhealthcare Insurance Company |
Showing 15 of 151 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in New York
- Brooklyn23 plans · 12,296 participants
- Rochester18 plans · 11,335 participants
- Albany12 plans · 4,929 participants
- New York11 plans · 20,595 participants
- Bronx7 plans · 25,388 participants
- Flushing5 plans · 1,257 participants
- Syracuse4 plans · 2,350 participants
- Saratoga Springs4 plans · 1,614 participants
- Utica4 plans · 793 participants
- Buffalo3 plans · 4,630 participants
- Getzville3 plans · 1,008 participants
- Orchard Park3 plans · 512 participants
Frequently asked questions
How many skilled nursing and residential care facilities in New York offer an ERISA health plan?
188 health and welfare plans from 151 skilled nursing and residential care facilities in New York appear in plan year 2024 to 2025 filings on Form 5500, covering 127,039 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 New York?
By Schedule A premium: Highmark Northeastern New York (22% of premium, 22 plans), Cigna Health and Life Insurance Company (15% of premium, 15 plans) and Capital District Physician's Health Plan Inc (13% of premium, 12 plans).
Which benefits brokers work with skilled nursing and residential care facilities in New York?
By number of client plans: Hub International Northeast Limited (19 plans), Fna Insurance Services Inc (19 plans) and Emerson Rogers, LLC (15 plans). 77% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in New York?
The median brokered plan reports $54K a year in broker commissions and fees, or 6.2% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in New York self-funded or fully insured?
Fully insured 42%, mixed 33% and self-funded 24%. Self-funded and mixed plans together make up 57%.
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 New York
Open the welfare search with New York 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 New York
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 New York.