Poughkeepsie, New York employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Poughkeepsie, New York filed health plans with 100 or more participants for plan year 2024, covering 8,461 participants. They reported $0 in insurance premiums and $2.1M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 62.2%.
Funding: 2 fully insured · 8 self-funded · 8 mixed. 16 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Poughkeepsie
Poughkeepsie employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Central Hudson Gas & Electric Corporation | $0 | $156,154 | 1,094 | Commercial Coverage Inc |
| Hudson Valley Credit Union | $0 | $18,962 | 949 | NFP |
| Staff-Line, Inc. | $0 | $310,533 | 896 | Fna Insurance Services, Inc. |
| Vassar College | $0 | $69,246 | 869 | Robert G Relph Agency Inc |
| Adams Fairacre Farms | $0 | $19,240 | 714 | Fna Insurance Services Inc |
| Marist College | $0 | $64,118 | 678 | Aon |
| Marshall & Sterling Enterprises, Inc. | $0 | $12,173 | 547 | Marshall & Sterling Employee Benefi |
| Hudson Valley Hospice | $0 | $129,089 | 468 | Marshall&Sterling Employee Benefits |
| Peo Mid-Hudson Valley Staffco | $0 | $728,593 | 412 | Gis Benefits, Inc. |
| Premier Medical Group of the Hudson Valley, P.C. | $0 | $66,143 | 386 | Meltzer Group Inc |
| Chestnut Petroleum Distributors Inc | $0 | $113,679 | 295 | Foa & Son Corporation |
| H. O. Penn Machinery Company, Inc. | $0 | $36,866 | 264 | Mercer |
| The Childrens Home of Poughkeepsie | $0 | $119,204 | 201 | NFP |
| Mental Health America of Dutchess County, Inc. | $0 | $98,813 | 182 | Marsh McLennan Agency |
| Rhinebeck Bank | $0 | $59,915 | 167 | Marshall&Sterling Employee Benefits |
| Family Services, Inc. | $0 | $12,940 | 122 | Fna Insurance Services Inc |
| Teg Federal Credit Union | $0 | $50,398 | 112 | Rose & Kiernan, Inc. |
| Arnoff Moving & Storage, Inc. | $0 | — | 105 | — |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Poughkeepsie employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gis Benefits Inc | $311,054 | 1 |
| Fna Insurance Services Inc | $286,189 | 4 |
| Gallagher | $253,587 | 1 |
| NFP | $205,748 | 5 |
| Marshall & Sterling Employee Benefi | $185,842 | 4 |
| Amwins Group Benefits, LLC | $163,952 | 1 |
| Commercial Coverage Inc | $156,154 | 1 |
| Foa & Son Corporation | $54,637 | 1 |
| Robert G Relph Agency Inc | $52,557 | 1 |
| Aon | $51,929 | 1 |
Largest medical carriers
Medical premium written for these employers.
Poughkeepsie against New York and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Poughkeepsie | New York | United States | |
|---|---|---|---|
| Employer plans | 18 | 3,508 | 58,547 |
| Median commission rate | n/a | 3.7% | 3.8% |
| Middle half of rates | n/a | 2.9% – 4.3% | 2.7% – 5.0% |
| Median broker pay per employer | $66,143 | $85,893 | $72,628 |
| Medical premium per covered person | n/a | $10,907 | $7,274 |
| Plans reporting no commission | 0 | 28 | 933 |
Year over year. In plan year 2023, 19 Poughkeepsie employers reported $0 in premiums and $1.3M in broker pay for 8,659 participants; in 2024 it was $0 and $2.1M for 8,461 participants (broker pay +62.2%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Poughkeepsie employers pay health insurance brokers?
18 Poughkeepsie employers reported $2,066,066 in broker commissions and fees on their 2024 Form 5500 filings, 17 of them disclosing at least some compensation. Too few fully insured medical plans in Poughkeepsie reported premium to compute a stable commission rate; the New York median is 3.7% and the U.S. median is 3.8%. In dollars, the median Poughkeepsie employer that disclosed broker pay reported $66,143.
Which Poughkeepsie employers have the largest health plans?
By insurance premium reported for 2024, Central Hudson Gas & Electric Corporation ($0), Hudson Valley Credit Union ($0), Staff-Line, Inc. ($0) lead. 18 Poughkeepsie employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Poughkeepsie?
By compensation reported by Poughkeepsie employers, the largest brokers are Gis Benefits Inc ($311,054, 1 plans), Fna Insurance Services Inc ($286,189, 4 plans), Gallagher ($253,587, 1 plans). By medical premium, the largest carriers are Anthem Blue Cross, MVP Healthcare, Metropolitan Life Insurance Company.
Are Poughkeepsie employer health plans self-funded or fully insured?
Of 18 Poughkeepsie employer plans, 2 are fully insured, 8 are self-funded and 8 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in New York
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