Aetna employer health plans in Florida
Who Aetna insures among Florida employers and what those plans pay in premium and broker compensation, and what the Aetna network pays physicians and hospitals.
Aetna employer health plans in Florida at a glance
What the data shows
Aetna insures 158 employer health plans in Florida (7% of 2,382 insured large plans), 5th of 8 carrier groups; Blue Cross Blue Shield (936), Cigna (643) hold more.
Aetna has shrunk 34% in Florida since 2020, from 239 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (74 plans); 30 cover 1,000 or more.
Median premium per person covered was $5,868, 20% below the Florida all-carrier median of $7,366. Benefit design and group mix differ, so this is not a price comparison.
74% of these plans reported broker or agent pay on their Aetna contracts; where paid, the median was 2.9% of premium (middle half 0.5%–5.8%).
In Aetna commercial, 28 of the 50 Employer 50 services have a Florida benchmark, at a median of 105% of Medicare across those services.
At Florida hospitals, Aetna's commercial rates run higher than other carriers' at the same hospital for 5 of 13 services; a hip or knee replacement stay has a median rate of $30,020 across 57 hospitals.
Aetna plans in Florida, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 239 | 495,453 | 10% | $5,257 |
| 2021 | 214 | 547,631 | 9% | $5,316 |
| 2022 | 221 | 582,473 | 9% | $5,778 |
| 2023 | 214 | 511,682 | 9% | $5,689 |
| 2024 | 158 | 522,683 | 7% | $5,868 |
| 2025 (partial) | 90 | 229,876 | 6% | $6,331 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 26 | 16% |
| 100–499 | 74 | 47% |
| 500–999 | 28 | 18% |
| 1,000–4,999 | 19 | 12% |
| 5,000 or more | 11 | 7% |
Premiums and broker pay
| Measure | Aetna | All carriers, Florida |
|---|---|---|
| Median premium per person covered | $5,868 | $7,366 |
| Premium per person, middle half | $3,641–$7,389 | $3,753–$11,360 |
| Plans reporting broker or agent pay | 74% | 87% |
| Median broker pay, % of premium | 2.9% | 5.0% |
| Broker pay, middle half | 0.5%–5.8% | 3.6%–6.3% |
| Median broker pay per person covered | $64 | $349 |
Industries
Aetna's Florida employer clients are concentrated in manufacturing (20 plans) and health care and social assistance (17), followed by professional and technical services (17).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 20 | 13% |
| Health care and social assistance | 17 | 11% |
| Professional and technical services | 17 | 11% |
| Accommodation and food services | 16 | 10% |
| Finance and insurance | 14 | 9% |
| Transportation and warehousing | 12 | 8% |
Aetna employer clients in Florida
149 employers in Florida have a Aetna major-medical contract, 30 of them covering 1,000 or more people. For each one Medlyze has the plan year, the broker on each contract and what that broker was paid, and compiles the list for a state, an industry or a single employer on request.
| Employer | Persons covered | Plan year ends | Broker | Broker pay, % of premium |
|---|---|---|---|---|
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
What the Aetna network pays physicians in Florida
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $300 | $260–$389 | 104% | $345 | 93 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $208 | $180–$261 | 106% | $224 | 101 |
| Electrocardiogram (EKG), complete | 93000 | $16 | $14–$21 | 107% | $20 | 100 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $391 | $319–$513 | 91% | $362 | 97 |
| Treadmill stress test, complete | 93015 | $76 | $61–$100 | 103% | $80 | 89 |
| Cataract removal with lens implant | 66984 | $423 | $405–$499 | 91% | $462 | 94 |
| Abdominal ultrasound, complete | 76700 | $45 | $35–$65 | 119% | $55 | 158 |
| Bone density scan (DXA), axial | 77080 | $11 | $9–$16 | 116% | $14 | 148 |
| CT abdomen and pelvis with contrast | 74177 | $354 | $288–$468 | 118% | $456 | 152 |
| CT chest without contrast | 71250 | $245 | $184–$295 | 185% | $259 | 151 |
| Chest X-ray, 2 views | 71046 | $11 | $9–$16 | 113% | $15 | 154 |
| MRI brain without and with contrast | 70553 | $475 | $406–$657 | 150% | $605 | 147 |
| MRI cervical spine without contrast | 72141 | $415 | $310–$475 | 218% | $372 | 144 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $421 | $332–$500 | 206% | $390 | 141 |
| MRI lumbar spine without contrast | 72148 | $410 | $307–$476 | 214% | $375 | 146 |
Professional fee only: facility, implant and anesthesia charges are not included. Limited: rates come from a sample of providers, and groups are counted only in specialties that perform the service.
What the Aetna network pays hospitals in Florida
Aetna commercial rates are on record at 76 Florida hospitals (the hospitals covered so far, not every hospital). Compared at the same hospitals, Aetna's rate is higher than the other carriers' median for 5 of 13 services and lower for 4. For Emergency visit, level 4, the rate runs from $408 to $21,738 across 13 hospitals.
This page shows 3 of the 17 services in full. The other rates, the size of each gap and every hospital's prices are in the Plan Cost Benchmark.
| Service | Hospitals | Median rate | Range (P10–P90) | vs other carriers, same hospitals | Cash price, median |
|---|---|---|---|---|---|
| Hip or knee replacement (hospital stay) | 57 | $30,020 | $19,171–$45,439 | Lower | – |
| C-section delivery (hospital stay) | 56 | Locked | Locked | Lower | Locked |
| Vaginal delivery (hospital stay) | 56 | Locked | Locked | About the same | Locked |
| MRI, lower back | 5 | $315 | $234–$2,759 | – | – |
| MRI, knee | 5 | Locked | Locked | – | Locked |
| CT, head | 5 | Locked | Locked | – | Locked |
| CT, abdomen and pelvis | 5 | Locked | Locked | – | Locked |
| Screening mammogram | 44 | Locked | Locked | About the same | Locked |
| Colonoscopy, diagnostic | 14 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 14 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 55 | Locked | Locked | Higher | Locked |
| Cataract surgery | 11 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 55 | Locked | Locked | Lower | Locked |
| Knee replacement, outpatient | 56 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 13 | $962 | $408–$21,738 | Lower | $2,534 |
| Comprehensive metabolic panel | 50 | Locked | Locked | About the same | Locked |
| Complete blood count | 47 | Locked | Locked | About the same | Locked |
Hospitals with the most published Aetna rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Baptist Medical Center - Beaches | $49,035 | Locked | Locked | Locked | Locked | Locked |
| Baptist Medical Center - Nassau | $59,512 | Locked | Locked | Locked | Locked | Locked |
| Baptist Medical Center Jacksonville | $45,439 | Locked | Locked | Locked | Locked | Locked |
| Cornell Behavioral Health Pavilion | – | Locked | Locked | Locked | Locked | Locked |
| Doctors Hospital | $39,561 | Locked | Locked | Locked | Locked | Locked |
| Hca Florida Fort Walton-destin Hospital | $67,976 | Locked | Locked | Locked | Locked | Locked |
| Hca Florida Twin Cities Hospital | $67,976 | Locked | Locked | Locked | Locked | Locked |
| Sarasota Memorial Hospital-venice Campus | – | Locked | Locked | Locked | Locked | Locked |
| Tampa General Hospital Brooksville | $37,023 | Locked | Locked | Locked | Locked | Locked |
| Tampa General Hospital Crystal River | $24,489 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 36%, fee schedules 9%, per diem 6%, percent of billed charges 34%, other 16% of Aetna's published commercial rates for these services in Florida.
Employers: see all 17 services and every hospital near your people in a Plan Cost Benchmark →
Hospital facility rate only: physician, anesthesia and implant charges are separate. Rates are what hospitals publish, not claims paid, and are not weighted by use.
Carriers in Florida
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 936 | 39% | $11,719 | 4.5% |
| Cigna | 643 | 27% | $3,882 | 6.4% |
| UnitedHealthcare | 563 | 24% | $5,931 | 5.2% |
| Other insurers (regional and local plans) | 339 | 14% | $4,338 | 6.0% |
| Aetna | 158 | 7% | $5,868 | 2.9% |
| Kaiser Permanente | 150 | 6% | $9,003 | 3.5% |
| Humana | 43 | 2% | $611 | 8.3% |
| Anthem (Elevance Health) | 25 | 1% | $6,413 | 5.2% |
Aetna in other states
FAQ
How many Florida employers have Aetna health insurance?
158 employer health plans in Florida reported a Aetna major-medical contract in their 2024 filings, covering 522,683 persons. Self-funded plans that Aetna only administers are not counted.
What is Aetna's share of the Florida insured employer market?
7% of insured large employer health plans, 5th of 8 carrier groups by plan count.
How much do brokers earn on Aetna plans in Florida?
Where broker or agent pay was reported, the median was 2.9% of premium (5.0% across all carriers in Florida).
Can I see the figures for a specific employer?
Yes. Brokers can request an Employer Account Brief on one employer, or a Prospect List for this market. Employers can request a Plan Cost Benchmark for their own plan. Use the request form on this page.
About these numbers
- Plans counted: the 158 Florida employer health plans with a Aetna major-medical contract in their 2024 filings. Self-funded plans that Aetna only administers are not counted here.
- Premium and broker figures: 145 contracts with 20+ persons covered and a reported premium; broker percentages use the 117 contracts that reported broker or agent pay.
- Network rates: Aetna commercial, professional fees only, from a sample of providers.
- Hospital prices: Aetna commercial rates at Florida hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.