Insurance carrier
HPHC INSURANCE COMPANY
HPHC INSURANCE COMPANY appears on 138 employer benefit contracts in public Form 5500 Schedule A filings.
138 employer contracts on file name HPHC INSURANCE COMPANY as the insurance carrier. The full book with premiums and commissions is on the subscriber view of this page, or through the Form5500Lookup connector for ChatGPT and Claude.
Book profile
HPHC INSURANCE COMPANY writes 138 insured contracts for 102 employers, across 11 states, led by MA, ME, NH.
Health is the largest line (138 contracts), followed by vision (3), stop-loss (1).
CLARK INSURANCE is the broker of record on the most contracts (14, about 10%); CGI BUSINESS SOLUTIONS, THE HILB GROUP OF NEW ENGLAND LLC, MARSH & MCLENNAN AGENCY LLC follow.
Renewals concentrate on January 1: 63% of the dated welfare contracts have policy years ending in December, so most of the book comes up for review at once.
Offices that file under one name are added up on one row. The name links to the office with the most contracts on this carrier.
Counted by each employer's own state. Largest first.
Contracts by line.
health 138 · vision 3 · stop-loss 1
Welfare contracts, counted by their typical renewal date (the 1st after the policy year ends). Annuity and GIC funding contracts have no renewal.
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Employers with plans through HPHC INSURANCE COMPANY
| Employer | Location | Broker | Renews |
|---|---|---|---|
| DANA-FARBER CANCER INSTITUTE, INC. | BOSTON, MA | STRATEGIC BENEFIT ADVISORS | Jan 1FY2024 |
| ADP TOTALSOURCE, INC. | MIAMI, FL | AMWINS GROUP BENEFITS, LLC | Jun 1FY2025 |
| INSPERITY HOLDINGS, INC. | KINGWOOD, TX | — | Jan 1FY2024 |
| INSPERITY HOLDINGS, INC. | KINGWOOD, TX | — | Jan 1FY2024 |
| INSPERITY HOLDINGS, INC. | KINGWOOD, TX | — | Jan 1FY2024 |
more employers with plans through HPHC INSURANCE COMPANY
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Sourced from U.S. DOL EFAST2 Form 5500 · Schedule A · each row is that employer’s most recent filing, largest premium first (plan years 2024–2025 on this page)
Legal name and group as filed with CMS
Commission as a share of premium, by state
The share is the agents' fees and commissions this carrier reported to CMS, divided by the medical premium it earned in that state and market. It counts medical business only, so a carrier's dental, vision, life and disability commissions are not in it, and a carrier that insures no medical business reports no share at all.
The states where this carrier earned the most premium, largest first. The other 3 are in the list below.
| State | Market | Commission, share of premium | Premium earned |
|---|---|---|---|
| Massachusetts | large-group | 1.8% | $399,314,168 |
| Maine | large-group | 2.7% | $63,684,205 |
| New Hampshire | large-group | 3.1% | $33,767,372 |
| Maine | small-group | 2.1% | $29,093,475 |
| Rhode Island | large-group | 3.1% | $22,613,627 |
| New Hampshire | small-group | 2.7% | $21,704,431 |
| Massachusetts | small-group | 2.7% | $5,971,065 |
| Rhode Island | small-group | 3.7% | $3,340,513 |
| Massachusetts | individual | 0.0% | $1,956,232 |
| Maine | individual | 0.0% | $986,870 |
| Connecticut | small-group | 4.7% | $408,132 |
All 11 states and markets
Every state and market this carrier reported for 2024, largest premium first.
Source: CMS Medical Loss Ratio public use file, 2024. This is the carrier's own report to CMS, not a Form 5500 filing.
This report covers major medical insurance, in all three markets: individual, small group and large group. A company that only administers self-funded plans files none of it, and neither does one that writes only dental, vision, life or disability coverage, so nothing appears here for them.
Filed rate changes by state
Each row is the average rate change this carrier filed with a state's regulator for 2026. The figure covers a whole block of business, so it is not the change on any one employer's plan.
Ordered by the premium this carrier earned in each state.
| State | Market | Average rate change filed |
|---|---|---|
| Maine | individual | 18.7% |
| Maine | small-group | 19.6% |
| New Hampshire | small-group | 12.6% |
Source: CMS Uniform Rate Review public use file, 2026. This is what the carrier filed with regulators, not a Form 5500 filing.
Rates are filed with regulators for small-group and individual coverage only. Large-group rates are negotiated, so they are not in this file.
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