Anthem (Elevance Health) employer health plans in Kentucky
Who Anthem (Elevance Health) insures among Kentucky employers and what those plans pay in premium and broker compensation, and what the Anthem (Elevance Health) network pays hospitals.
Anthem (Elevance Health) employer health plans in Kentucky at a glance
What the data shows
Anthem (Elevance Health) is the largest insurer of employer health plans in Kentucky: 256 plans held a Anthem (Elevance Health) major-medical contract in form year 2024, 62% of the state's 410 insured large plans, ahead of UnitedHealthcare with 56.
Anthem (Elevance Health) has grown 22% in Kentucky since 2020, from 209 plans.
Most of these plans cover 100–499 people (179 plans); 15 cover 1,000 or more.
Median premium per person covered was $6,062, 2% above the Kentucky all-carrier median of $5,940. Benefit design and group mix differ, so this is not a price comparison.
94% of these plans reported broker or agent pay on their Anthem (Elevance Health) contracts; where paid, the median was 2.8% of premium (middle half 2.1%–3.7%).
At Kentucky hospitals, Anthem (Elevance Health)'s commercial rates run higher than other carriers' at the same hospital for 5 of 16 services; a hip or knee replacement stay has a median rate of $23,845 across 20 hospitals.
Anthem (Elevance Health) plans in Kentucky, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 209 | 111,750 | 51% | $5,194 |
| 2021 | 223 | 124,057 | 53% | $5,320 |
| 2022 | 222 | 115,493 | 53% | $5,539 |
| 2023 | 239 | 100,719 | 55% | $5,543 |
| 2024 | 256 | 115,416 | 62% | $6,062 |
| 2025 (partial) | 183 | 77,868 | 64% | $6,219 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 20 | 8% |
| 100–499 | 179 | 70% |
| 500–999 | 38 | 15% |
| 1,000–4,999 | 12 | 5% |
| 5,000 or more | 3 | 1% |
Premiums and broker pay
| Measure | Anthem (Elevance Health) | All carriers, Kentucky |
|---|---|---|
| Median premium per person covered | $6,062 | $5,940 |
| Premium per person, middle half | $4,479–$7,835 | $3,506–$7,835 |
| Plans reporting broker or agent pay | 94% | 89% |
| Median broker pay, % of premium | 2.8% | 3.1% |
| Broker pay, middle half | 2.1%–3.7% | 2.3%–4.6% |
| Median broker pay per person covered | $166 | $174 |
Industries
Anthem (Elevance Health)'s Kentucky employer clients are concentrated in health care and social assistance (57 plans) and manufacturing (53), followed by construction (23).
| Industry | Plans | Share |
|---|---|---|
| Health care and social assistance | 57 | 22% |
| Manufacturing | 53 | 21% |
| Construction | 23 | 9% |
| Professional and technical services | 22 | 9% |
| Retail trade | 18 | 7% |
| Wholesale trade | 15 | 6% |
Anthem (Elevance Health) employer clients in Kentucky
241 employers in Kentucky have a Anthem (Elevance Health) major-medical contract, 15 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 |
Brokers: request the Anthem (Elevance Health) Prospect List for Kentucky →
What the Anthem (Elevance Health) network pays hospitals in Kentucky
Anthem (Elevance Health) commercial rates are on record at 34 Kentucky hospitals (the hospitals covered so far, not every hospital). Compared at the same hospitals, Anthem (Elevance Health)'s rate is higher than the other carriers' median for 5 of 16 services and lower for 11. For Emergency visit, level 4, the rate runs from $119 to $2,067 across 11 hospitals.
This page shows 3 of the 16 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) | 20 | $23,845 | $12,938–$28,432 | Higher | $75,096 |
| C-section delivery (hospital stay) | 20 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 21 | Locked | Locked | Higher | Locked |
| MRI, lower back | 18 | $760 | $168–$1,110 | Lower | $1,340 |
| MRI, knee | 18 | Locked | Locked | Lower | Locked |
| CT, head | 18 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 18 | Locked | Locked | Lower | Locked |
| Screening mammogram | 17 | Locked | Locked | Lower | Locked |
| Colonoscopy, diagnostic | 12 | Locked | Locked | Lower | Locked |
| Upper GI endoscopy with biopsy | 12 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 9 | Locked | Locked | Higher | Locked |
| Cataract surgery | 10 | Locked | Locked | Lower | Locked |
| Gallbladder removal, laparoscopic | 10 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 11 | $873 | $119–$2,067 | Lower | $760 |
| Comprehensive metabolic panel | 11 | Locked | Locked | Lower | Locked |
| Complete blood count | 11 | Locked | Locked | Lower | Locked |
Hospitals with the most published Anthem (Elevance Health) rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Chi Saint Joseph Health Flaget Memorial Hospital | $25,222 | Locked | Locked | Locked | Locked | Locked |
| Chi Saint Joseph Hospital London | $23,938 | Locked | Locked | Locked | Locked | Locked |
| Deaconess Henderson Hospital | $19,349 | Locked | Locked | Locked | Locked | Locked |
| Deaconess Union County Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Frankfort Regional Medical Center | $26,864 | Locked | Locked | Locked | Locked | Locked |
| Norton Audubon Hospital | $22,184 | Locked | Locked | Locked | Locked | Locked |
| Saint Joseph Berea | $23,740 | Locked | Locked | Locked | Locked | Locked |
| Saint Joseph East | $27,460 | Locked | Locked | Locked | Locked | Locked |
| Saint Joseph Mount Sterling | $18,329 | Locked | Locked | Locked | Locked | Locked |
| Tristar Greenview Regional Hospital | $12,938 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 33%, fee schedules 36%, per diem 0%, percent of billed charges 22%, other 9% of Anthem (Elevance Health)'s published commercial rates for these services in Kentucky.
Employers: see all 16 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 Kentucky
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Anthem (Elevance Health) | 256 | 62% | $6,062 | 2.8% |
| UnitedHealthcare | 56 | 14% | $5,672 | 3.0% |
| Other insurers (regional and local plans) | 34 | 8% | $1,459 | 8.9% |
| Cigna | 26 | 6% | $2,076 | 6.2% |
| Humana | 26 | 6% | $6,065 | 4.6% |
| Blue Cross Blue Shield | 17 | 4% | $6,275 | 4.9% |
| Kaiser Permanente | 11 | 3% | $7,282 | 2.3% |
| Aetna | 8 | 2% | $6,446 | 3.0% |
Anthem (Elevance Health) in other states
FAQ
How many Kentucky employers have Anthem (Elevance Health) health insurance?
256 employer health plans in Kentucky reported a Anthem (Elevance Health) major-medical contract in their 2024 filings, covering 115,416 persons. Self-funded plans that Anthem (Elevance Health) only administers are not counted.
What is Anthem (Elevance Health)'s share of the Kentucky insured employer market?
62% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on Anthem (Elevance Health) plans in Kentucky?
Where broker or agent pay was reported, the median was 2.8% of premium (3.1% across all carriers in Kentucky).
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 256 Kentucky employer health plans with a Anthem (Elevance Health) major-medical contract in their 2024 filings. Self-funded plans that Anthem (Elevance Health) only administers are not counted here.
- Premium and broker figures: 247 contracts with 20+ persons covered and a reported premium; broker percentages use the 237 contracts that reported broker or agent pay.
- Hospital prices: Anthem (Elevance Health) commercial rates at Kentucky hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.