Blue Cross Blue Shield employer health plans in Florida
Who Blue Cross Blue Shield insures among Florida employers and what those plans pay in premium and broker compensation, and what the Blue Cross Blue Shield network pays hospitals.
Blue Cross Blue Shield employer health plans in Florida at a glance
What the data shows
Blue Cross Blue Shield is the largest insurer of employer health plans in Florida: 936 plans held a Blue Cross Blue Shield major-medical contract in form year 2024, 39% of the state's 2,382 insured large plans, ahead of Cigna with 643.
The Blue Cross Blue Shield book in Florida has held steady since 2020 (928 plans then).
Most of these plans cover Under 100 people (482 plans); 20 cover 1,000 or more.
Median premium per person covered was $11,719, 59% above the Florida all-carrier median of $7,366. Benefit design and group mix differ, so this is not a price comparison.
87% of these plans reported broker or agent pay on their Blue Cross Blue Shield contracts; where paid, the median was 4.5% of premium (middle half 3.5%–5.0%).
At Florida hospitals, Blue Cross Blue Shield's commercial rates run higher than other carriers' at the same hospital for 9 of 17 services; a hip or knee replacement stay has a median rate of $32,421 across 62 hospitals.
Blue Cross Blue Shield plans in Florida, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 928 | 189,739 | 39% | $9,619 |
| 2021 | 838 | 171,697 | 37% | $10,261 |
| 2022 | 802 | 175,671 | 33% | $10,575 |
| 2023 | 847 | 174,354 | 35% | $11,062 |
| 2024 | 936 | 215,073 | 39% | $11,719 |
| 2025 (partial) | 549 | 224,528 | 39% | $11,816 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 482 | 51% |
| 100–499 | 409 | 44% |
| 500–999 | 23 | 2% |
| 1,000–4,999 | 10 | 1% |
| 5,000 or more | 10 | 1% |
Premiums and broker pay
| Measure | Blue Cross Blue Shield | All carriers, Florida |
|---|---|---|
| Median premium per person covered | $11,719 | $7,366 |
| Premium per person, middle half | $8,817–$15,264 | $3,753–$11,360 |
| Plans reporting broker or agent pay | 87% | 87% |
| Median broker pay, % of premium | 4.5% | 5.0% |
| Broker pay, middle half | 3.5%–5.0% | 3.6%–6.3% |
| Median broker pay per person covered | $506 | $349 |
Industries
Blue Cross Blue Shield's Florida employer clients are concentrated in health care and social assistance (174 plans) and construction (100), followed by professional and technical services (97).
| Industry | Plans | Share |
|---|---|---|
| Health care and social assistance | 174 | 19% |
| Construction | 100 | 11% |
| Professional and technical services | 97 | 10% |
| Manufacturing | 92 | 10% |
| Retail trade | 90 | 10% |
| Accommodation and food services | 48 | 5% |
Blue Cross Blue Shield employer clients in Florida
907 employers in Florida have a Blue Cross Blue Shield major-medical contract, 20 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 Blue Cross Blue Shield Prospect List for Florida →
What the Blue Cross Blue Shield network pays hospitals in Florida
Blue Cross Blue Shield commercial rates are on record at 74 Florida hospitals (the hospitals covered so far, not every hospital). Compared at the same hospitals, Blue Cross Blue Shield's rate is higher than the other carriers' median for 9 of 17 services and lower for 4. For MRI, lower back, the rate runs from $114 to $1,579 across 6 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) | 62 | $32,421 | $19,331–$44,896 | Higher | – |
| C-section delivery (hospital stay) | 60 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 60 | Locked | Locked | About the same | Locked |
| MRI, lower back | 6 | $1,390 | $114–$1,579 | Higher | $4,129 |
| MRI, knee | 6 | Locked | Locked | Higher | Locked |
| CT, head | 6 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 6 | Locked | Locked | Higher | Locked |
| Screening mammogram | 49 | Locked | Locked | About the same | Locked |
| Colonoscopy, diagnostic | 50 | Locked | Locked | Lower | Locked |
| Upper GI endoscopy with biopsy | 50 | Locked | Locked | Lower | Locked |
| Knee arthroscopy | 50 | Locked | Locked | Higher | Locked |
| Cataract surgery | 51 | Locked | Locked | Lower | Locked |
| Gallbladder removal, laparoscopic | 50 | Locked | Locked | About the same | Locked |
| Knee replacement, outpatient | 50 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 55 | $2,653 | $1,703–$5,634 | Higher | $6,100 |
| Comprehensive metabolic panel | 50 | Locked | Locked | About the same | Locked |
| Complete blood count | 50 | Locked | Locked | Higher | Locked |
Hospitals with the most published Blue Cross Blue Shield rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Broward Health Coral Springs | $18,614 | Locked | Locked | Locked | Locked | Locked |
| Broward Health Imperial Point | $18,614 | Locked | Locked | Locked | Locked | Locked |
| Broward Health Medical Center | $21,985 | Locked | Locked | Locked | Locked | Locked |
| Broward Health North | $18,614 | Locked | Locked | Locked | Locked | Locked |
| Cornell Behavioral Health Pavilion | – | Locked | Locked | Locked | Locked | Locked |
| Doctors Hospital | $14,934 | Locked | Locked | Locked | Locked | Locked |
| Hca Florida Aventura Hospital | $37,574 | Locked | Locked | Locked | Locked | Locked |
| Hca Florida Bayonet Point Hospital | $29,789 | Locked | Locked | Locked | Locked | Locked |
| Hca Florida Blake Hospital | $29,789 | Locked | Locked | Locked | Locked | Locked |
| Hca Florida Brandon Hospital | $32,421 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 62%, fee schedules 18%, per diem 9%, percent of billed charges 1%, other 10% of Blue Cross Blue Shield'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% |
Blue Cross Blue Shield in other states
FAQ
How many Florida employers have Blue Cross Blue Shield health insurance?
936 employer health plans in Florida reported a Blue Cross Blue Shield major-medical contract in their 2024 filings, covering 215,073 persons. Self-funded plans that Blue Cross Blue Shield only administers are not counted.
What is Blue Cross Blue Shield's share of the Florida insured employer market?
39% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on Blue Cross Blue Shield plans in Florida?
Where broker or agent pay was reported, the median was 4.5% 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 936 Florida employer health plans with a Blue Cross Blue Shield major-medical contract in their 2024 filings. Self-funded plans that Blue Cross Blue Shield only administers are not counted here.
- Premium and broker figures: 867 contracts with 20+ persons covered and a reported premium; broker percentages use the 814 contracts that reported broker or agent pay.
- Hospital prices: Blue Cross Blue Shield commercial rates at Florida hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.