Veterinary practices by state
PlanOptica tracks 414 health and welfare plans sponsored by 399 veterinary practices in the United States, covering 172,887 participants and $401M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 5 participants, and the most common size is under 100 participants (79% of plans). Most of these plans are self-funded or mixed (84%), so stop-loss and TPA relationships matter as much as the medical carrier.
Regence Bluecross Blueshield of Oregon leads by premium with a 31% share, followed by Unitedhealthcare Insurance Company at 17%. GCG Financial, LLC is the broker of record on 17 plans, more than any other firm, ahead of Usi Insurance Services LLC (15). 23% of plans report broker compensation on Schedule A; the median brokered plan pays $69K a year, about 6.2% of premium. OH, GA and KY have the most plans of any state.
Funding mix
- Self-funded318 · 77%
- Fully insured63 · 15%
- Mixed30 · 7%
- MEWA3 · 1%
Plan size (participants)
- Under 100326 · 79%
- 100 to 24944 · 11%
- 250 to 49914 · 3%
- 500 to 9998 · 2%
- 1,000 or more22 · 5%
Median plan: 5 participants. Median broker comp: 6.2% of premium across 95 brokered plans.
Top carriers, veterinary, the U.S.
- 1Regence Bluecross Blueshield of Oregon$124M21 plans · 30.9%
- 2Unitedhealthcare Insurance Company$67M17 plans · 16.8%
- 3Kaiser Foundation Health Plan Inc$44M12 plans · 10.9%
- 4Lincoln National Life Insurance Company$29M7 plans · 7.2%
- 5Anthem Blue Cross Life and Health Insurance Company$15M8 plans · 3.7%
- 6Cigna Health and Life Insurance Company$14M14 plans · 3.6%
- 7Metropolitan Life Insurance Company$13M13 plans · 3.3%
- 8Healthy Alliance Life Insurance Company$10M2 plans · 2.5%
- 9Hartford Life and Accident$8.8M6 plans · 2.2%
- 10Life Insurance Company of North America$6.1M4 plans · 1.5%
Top brokers, veterinary, the U.S.
- 1GCG Financial, LLC17 plans$1.6M comp · 17.9%
- 2Usi Insurance Services LLC15 plans$503K comp · 15.8%
- 3Gallagher Benefit Services, Inc9 plans$139K comp · 9.5%
- 4Marsh & McLennan Agency LLC8 plans$576K comp · 8.4%
- 5Alliant Insurance Services, Inc8 plans$394K comp · 8.4%
- 6Gis Benefits, Inc8 plans$89K comp · 8.4%
- 7Hub International Midwest Limited7 plans$958K comp · 7.4%
- 8Willis Towers Watson US LLC6 plans$8.2M comp · 6.3%
- 9Lockton Companies, LLC6 plans$1.1M comp · 6.3%
- 10Emerson Rogers, LLC5 plans$89K comp · 5.3%
Largest veterinary practices nationally
| Employer / plan | Location | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| National Veterinary Associates, Inc National Veterinary Associates Employee Benefits PlanAll plans | Westlake Village, CA | Fully insured | 37,501 | $35M | Unitedhealthcare Insurance Company |
| Vca Inc Vca Inc. Health & Welfare PlanAll plans | Los Angeles, CA | Mixed | 29,875 | $56M | Kaiser Foundation Health Plan Inc |
| Medical Management International, Inc Banfield Pet Hospital Employee Welfare PlanAll plans | Vancouver, WA | MEWA | 19,401 | $65M | Blue Cross of California |
| Vetcor Management Company LLC Vetcor Professional Practices LLC Health and Welfare PlanAll plans | Norwell, MA | Fully insured | 9,873 | $9.6M | Metropolitan Life Insurance Company |
| Midwest Veterinary Partners, LLC Midwest Veterinary Partners, LLC ERISA Healthcare PlanAll plans | Southfield, MI | Mixed | 8,899 | $5.1M | Delta Dental of California |
| Southern Veterinary Partners, LLC Southern Veterinary Partners, LLC Employee Benefits PlanAll plans | Birmingham, AL | Fully insured | 5,976 | $5.5M | Metropolitan Life Insurance Company |
| Bluepearl Veterinary Partners Bluepearl Veterinary Partners Welfare Plan Fka Florida Veterinary SpecialistsAll plans | Tampa, FL | Mixed | 5,831 | $8.9M | The Lincoln National Life Insurance Company |
| Veterinary Emergency Group, LLC Veterinary Emergency Group, LLC Health and Welfare PlanAll plans | White Plains, NY | Mixed | 4,901 | $3.1M | Delta Dental of California |
| Western Veterinary Partners, LLC Western Veterinary Partners, LLC Health & Welfare PlanAll plans | Denver, CO | Fully insured | 4,719 | $21M | Unitedhealthcare Insurance Company |
| ZBS Alliance Animal Health LLC ZBS Alliance Animal Health LLC Health and Welfare PlanAll plans | Rye Brook, NY | Mixed | 4,055 | $1.2M | New York Life Group Insurance Company of New York |
| Veterinary Practice Partners Veterinary Practice Partners Employee Benefit PlanAll plans | King of Prussia, PA | MEWA | 2,644 | $6.0M | Cigna Health and Life Insurance Company |
| Blue River Petcare Group, LLC Blue River Petcare Group, LLC Employee Benefits PlanAll plans | Chicago, IL | Fully insured | 2,622 | $19M | Blue Cross of California |
| Carevet Holdings, LLC Carevet Holdings, LLC Welfare Benefit PlanAll plans | Saint Louis, MO | Fully insured | 2,549 | $11M | Health Net |
| United Veterinary Care United Veterinary Care Health and Welfare PlanAll plans | Palm Beach Gardens, FL | Fully insured | 2,365 | $4.1M | Kaiser Foundation Health Plan Inc |
| Innovetive Petcare Holdings Innovetive Petcare Wrap PlanAll plans | Austin, TX | Mixed | 2,041 | $873K | Berkley Life and Health Insurance Company |
Showing 15 of 399 employers. Filter the full list by size, funding, carrier and broker.
Plans by state
- Ohio127 plans
- Georgia56 plans
- Kentucky55 plans
- Missouri51 plans
- California12 plans
- Florida12 plans
- Illinois10 plans
- Indiana10 plans
- New York10 plans
- Texas8 plans
- Minnesota6 plans
- New Jersey6 plans
- Michigan5 plans
- Pennsylvania5 plans
- Virginia4 plans
- West Virginia4 plans
- Wisconsin4 plans
- Oregon3 plans
- Arizona2 plans
- Colorado2 plans
- Connecticut2 plans
- Maryland2 plans
- North Carolina2 plans
- South Carolina2 plans
- Washington2 plans
- Alabama1 plans
- Delaware1 plans
- District of Columbia1 plans
- Hawaii1 plans
- Iowa1 plans
- Massachusetts1 plans
- Montana1 plans
- Nebraska1 plans
- Nevada1 plans
- Oklahoma1 plans
- Tennessee1 plans
- Wyoming1 plans
Frequently asked questions
How many veterinary practices offer an ERISA health plan?
414 health and welfare plans from 399 veterinary practices appear in plan year 2024 to 2025 filings on Form 5500, covering 172,887 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 veterinary practices?
By Schedule A premium: Regence Bluecross Blueshield of Oregon (31% of premium, 21 plans), Unitedhealthcare Insurance Company (17% of premium, 17 plans) and Kaiser Foundation Health Plan Inc (11% of premium, 12 plans).
Which benefits brokers work with veterinary practices?
By number of client plans: GCG Financial, LLC (17 plans), Usi Insurance Services LLC (15 plans) and Gallagher Benefit Services, Inc (9 plans). 23% of plans report a broker.
How much do brokers earn on veterinary practices health plans?
The median brokered plan reports $69K a year in broker commissions and fees, or 6.2% of premium. Figures come from Schedule A, Part I.
Are veterinary practices health plans self-funded or fully insured?
Self-funded 77%, fully insured 15% and mixed 7%. Self-funded and mixed plans together make up 84%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital.
Prospect veterinary practices in your territory
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Other healthcare specialties
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Veterinary services (NAICS 541940), plus professional-services employers whose name says veterinary, animal hospital or pet hospital.