Is this employer's health plan self-funded or fully-insured?

Fully-insured — on this filing, the benefits are provided through an insurance contract (the filer marked the insurance box and not the general-assets or trust boxes). An insurer bears the claims risk; the employer pays premiums. This is derived from the employer's own line-9b boxes on the Form 5500 and describes the whole filing, not the health benefit alone. Confirm via the plan's Summary Plan Description or the DOL EFAST filing.

How many participants does the plan cover?

22,902 total participants at the start of plan year 2023, per the filing.

Who administers the plan?

The plan administrator named on the filing is GATORCARE HEALTH MANAGEMENT GROUP.

GATORCARE

Name: UNIVERSITY OF FLORIDA — GATORCARE (Form 5500, 2023)
Creator: UNIVERSITY OF FLORIDA
Published: 2026-06-22T14:35:35.708114+00:00

UNIVERSITY OF FLORIDA

Fully-insured 22,902 participants · plan year 2023

Fully-insured — on this filing, the benefits are provided through an insurance contract (the filer marked the insurance box and not the general-assets or trust boxes). An insurer bears the claims risk; the employer pays premiums.

This filing reports only a health benefit (code 4A), so this label reflects how your health coverage is funded. To confirm how YOUR coverage is funded, read the plan's Summary Plan Description (SPD) or the original DOL EFAST filing.

What this means for you

A fully-insured benefit is backed by an insurance company, so your state's insurance law generally does apply on top of federal ERISA — your state insurance commissioner's complaint and external-review process is generally available to you if a claim is denied. State-mandated health benefits also generally apply.

General information about how ERISA plan funding affects which rules apply — not legal advice. Your rights depend on your specific plan and benefit.

Sponsor (employer): UNIVERSITY OF FLORIDA
Sponsor EIN: 59-6002052
Plan number: 501
Total participants (BOY): 22,902
Plan administrator: GATORCARE HEALTH MANAGEMENT GROUP
Location filed: GAINESVILLE, FL

Benefits reported on this filing

The Form 5500 welfare benefit codes (line 8b) the employer marked. A single filing commonly bundles several.

4A Health (other than dental or vision)

What this is — and isn't

This page reproduces a recorded ERISA filing: what UNIVERSITY OF FLORIDA reported to the U.S. Department of Labor on Form 5500 for plan year 2023. The funding label is derived from the employer's own line-9b boxes. Every figure is shown as filed and may include filer data-entry errors (a participant count, for instance, can be implausibly large if mistyped); we reproduce the record rather than correct it. It is not a rating of the plan, not legal or benefits advice, and not a substitute for the plan's Summary Plan Description. For your specific coverage and current details, contact the plan administrator or read the SPD; to verify this record, search the original filing at DOL EFAST.

Structured facts: /plans/university-of-florida-gatorcare-596002052-501.jsonld