Veterinary practices in California
PlanOptica tracks 12 health and welfare plans sponsored by 12 veterinary practices in California, covering 69,283 participants and $107M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 170 participants, and the most common size is 100 to 249 participants (42% of plans). The funding mix is split: 33% of plans are self-funded or mixed and the rest are mainly fully insured.
Kaiser Foundation Health Plan Inc leads by premium with a 35% share, followed by Lincoln National Life Insurance Company at 14%. Willis Towers Watson US LLC is the broker of record on 2 plans, more than any other firm, ahead of Benefits America Insurance Services (2). 75% of plans report broker compensation on Schedule A; the median brokered plan pays $153K a year, about 6.4% of premium. Westlake Village, Los Angeles and Culver City have the most plans.
Funding mix
- Fully insured8 · 67%
- Self-funded3 · 25%
- Mixed1 · 8%
Plan size (participants)
- Under 1003 · 25%
- 100 to 2495 · 42%
- 250 to 4991 · 8%
- 500 to 9991 · 8%
- 1,000 or more2 · 17%
Median plan: 170 participants. Median broker comp: 6.4% of premium across 9 brokered plans.
Top carriers, veterinary, California
- 1Kaiser Foundation Health Plan Inc$37M5 plans · 34.8%
- 2Lincoln National Life Insurance Company$15M1 plans · 13.7%
- 3Unitedhealthcare Insurance Company$11M2 plans · 10.6%
- 4Anthem Blue Cross Life and Health Insurance Company$7.9M1 plans · 7.3%
- 5Hartford Life and Accident$7.1M1 plans · 6.7%
- 6Blue Cross of California$5.0M2 plans · 4.7%
- 7Life Insurance Company of North America$3.7M1 plans · 3.5%
- 8Sun Life Assurance Company of Canada$3.5M1 plans · 3.3%
- 9Continental American Insurance Company$2.7M1 plans · 2.5%
- 10Hawaii Medical Service Association$2.5M1 plans · 2.4%
Top brokers, veterinary, California
- 1Willis Towers Watson US LLC2 plans$6.8M comp · 22.2%
- 2Benefits America Insurance Services2 plans$86K comp · 22.2%
- 3Unknown2 plans$12K comp · 22.2%
- 4The Baldwin Group West LLC1 plans$319K comp · 11.1%
- 5GCG Financial LLC1 plans$168K comp · 11.1%
- 6Alliant Insurance Services, Inc1 plans$83K comp · 11.1%
- 7Alkeme Insurance Services Inc1 plans$80K comp · 11.1%
- 8Ima, Inc1 plans$69K comp · 11.1%
- 9Marsh and McLennan Agency1 plans$64K comp · 11.1%
- 10Usi Insurance Services LLC1 plans$47K comp · 11.1%
Largest veterinary practices in California
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| National Veterinary Associates, Inc National Veterinary Associates Employee Benefits PlanAll plans | Westlake Village | Fully insured | 37,501 | $35M | Unitedhealthcare Insurance Company |
| Vca Inc Vca Inc. Health & Welfare PlanAll plans | Los Angeles | Mixed | 29,875 | $56M | Kaiser Foundation Health Plan Inc |
| Modern Animal, Inc Modern Animal Health and WelfareAll plans | Culver City | Fully insured | 558 | $5.9M | Blue Cross of California |
| Animal Dermatology Group, Inc Animal Dermatology Group, Inc. Health and Welfare PlanAll plans | Newport Beach | Fully insured | 465 | $2.7M | Unitedhealthcare Insurance Company |
| San Francisco Spca San Francisco Spca Consolidated Welfare PlanAll plans | San Francisco | Fully insured | 217 | $2.8M | Kaiser Foundation Health Plan Inc |
| Vetncare Mso LLC Vetncare Health and Welfare Benefit PlanAll plans | Oakland | Fully insured | 180 | $1.2M | California Choice |
| Veterinary Information Network Veterinary Information Network Benefit PlanAll plans | Davis | Fully insured | 159 | $554K | Kaiser Foundation Health Plan Inc |
| Pasadena Humane Society Pasadena Humane Society Welfare Benefits PlanAll plans | Pasadena | Fully insured | 141 | $1.3M | Blue Cross of California |
| Mike Rovner Construction, Inc Mike Rovner Construction, Inc. Welfare Benefits PlanAll plans | Moorpark | Fully insured | 134 | $1.4M | Aetna Life Insurance Company |
| Veterinary Medical Center Studio City Veterinary Medical Center Profit Sharing PlanAll plans | Studio City | Self-funded | 33 | - | - |
| Animal Healthcare Center, Inc Animal Healthcare Center, Inc. 401(k) PlanAll plans | Santa Clara | Self-funded | 19 | - | - |
| Bushnell-Soifer, Inc Bushnell-Soifer Inc Employee Welfare Benefit PlanAll plans | Del Mar | Self-funded | 1 | - | - |
Plans by city in California
- Westlake Village1 plans · 37,501 participants
- Los Angeles1 plans · 29,875 participants
- Culver City1 plans · 558 participants
- Newport Beach1 plans · 465 participants
- San Francisco1 plans · 217 participants
- Oakland1 plans · 180 participants
- Davis1 plans · 159 participants
- Pasadena1 plans · 141 participants
- Moorpark1 plans · 134 participants
- Studio City1 plans · 33 participants
- Santa Clara1 plans · 19 participants
- Del Mar1 plans · 1 participants
Frequently asked questions
How many veterinary practices in California offer an ERISA health plan?
12 health and welfare plans from 12 veterinary practices in California appear in plan year 2024 to 2025 filings on Form 5500, covering 69,283 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 in California?
By Schedule A premium: Kaiser Foundation Health Plan Inc (35% of premium, 5 plans), Lincoln National Life Insurance Company (14% of premium, 1 plan) and Unitedhealthcare Insurance Company (11% of premium, 2 plans).
Which benefits brokers work with veterinary practices in California?
By number of client plans: Willis Towers Watson US LLC (2 plans), Benefits America Insurance Services (2 plans) and Unknown (2 plans). 75% of plans report a broker.
How much do brokers earn on veterinary practices health plans in California?
The median brokered plan reports $153K a year in broker commissions and fees, or 6.4% of premium. Figures come from Schedule A, Part I.
Are veterinary practices health plans in California self-funded or fully insured?
Fully insured 67%, self-funded 25% and mixed 8%. Self-funded and mixed plans together make up 33%.
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 California
Open the welfare search with California and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Veterinary in nearby states
Other healthcare specialties in California
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. Location is the sponsor's filing address in California.