Insurance carrier
INDEPENDENT HEALTH BENEFITS CORPORATION
INDEPENDENT HEALTH BENEFITS CORPORATION appears on 70 employer benefit contracts in public Form 5500 Schedule A filings.
70 employer contracts on file name INDEPENDENT HEALTH BENEFITS CORPORATION 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
INDEPENDENT HEALTH BENEFITS CORPORATION writes 70 insured contracts for 65 employers, across 11 states, led by NY, OH, CA.
Health is the largest line (69 contracts), followed by vision (4), stop-loss (1), dental (1).
WALSH DUFFIELD COMPANIES., INC. is the broker of record on the most contracts (14, about 20%); LAWLEY LLC, GALLAGHER BENEFIT SERVICES, INC., AEBLY & ASSOCIATES INS SVCS INC follow.
Renewals concentrate on January 1: 67% 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.
- WALSH DUFFIELD COMPANIES., INC.14
- LAWLEY LLC10
- GALLAGHER BENEFIT SERVICES, INC.4
- AEBLY & ASSOCIATES INS SVCS INC1
- BROWN & BROWN INSURANCE SERVICES1
- CORPORATE SYNERGIES GROUP LLC1
Counted by each employer's own state. Largest first.
Contracts by line.
health 69 · vision 4 · stop-loss 1 · dental 1
Welfare contracts, counted by their typical renewal date (the 1st after the policy year ends). Annuity and GIC funding contracts have no renewal.
- J
- F
- M
- A
- M
- J
- J
- A
- S
- O
- N
- D
Employers with plans through INDEPENDENT HEALTH BENEFITS CORPORATION
| Employer | Location | Broker | Renews |
|---|---|---|---|
| INDEPENDENT HEALTH ASSOCIATION, INC. | WILLIAMSVILLE, NY | — | Jan 1FY2025 |
| PEOPLE INC. | WILLIAMSVILLE, NY | WALSH DUFFIELD COMPANIES., INC. | Jan 1FY2025 |
| ASPIRE OF WESTERN NEW YORK, INC. | GETZVILLE, NY | WALSH DUFFIELD COMPANIES., INC. | Jan 1FY2025 |
| MATTEL, INC. | EL SEGUNDO, CA | — | Jan 1FY2025 |
| CHILD AND FAMILY SERVICE OF ERIE COUNTY | BUFFALO, NY | WALSH DUFFIELD COMPANIES., INC. | Jan 1FY2025 |
more employers with plans through INDEPENDENT HEALTH BENEFITS CORPORATION
See the full employer base with brokers, renewal dates, and commissions — plus filters and export.
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule A · each row is that employer’s most recent filing, largest premium first (plan year 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.
| State | Market | Commission, share of premium | Premium earned |
|---|---|---|---|
| New York | small-group | 1.9% | $354,945,023 |
| New York | large-group | 1.9% | $268,490,502 |
| New York | individual | 1.7% | $81,403,525 |
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 |
|---|---|---|
| New York | individual | 20.4% |
| New York | small-group | 14.9% |
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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