Blue Cross Blue Shield employer health plans in Georgia
Who Blue Cross Blue Shield insures among Georgia 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 Georgia at a glance
What the data shows
Blue Cross Blue Shield insures 254 employer health plans in Georgia (22% of 1,160 insured large plans), 2nd of 8 carrier groups; Cigna (425) hold more.
Blue Cross Blue Shield has shrunk 37% in Georgia since 2020, from 401 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (139 plans); 33 cover 1,000 or more.
Median premium per person covered was $6,477, 12% above the Georgia all-carrier median of $5,782. Benefit design and group mix differ, so this is not a price comparison.
78% 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 3.2%–6.1%).
At Georgia hospitals, Blue Cross Blue Shield's commercial rates run higher than other carriers' at the same hospital for 5 of 17 services; a hip or knee replacement stay has a median rate of $32,148 across 20 hospitals.
Blue Cross Blue Shield plans in Georgia, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 401 | 180,742 | 33% | $5,608 |
| 2021 | 383 | 216,832 | 31% | $5,703 |
| 2022 | 318 | 234,431 | 26% | $6,243 |
| 2023 | 282 | 192,357 | 23% | $6,428 |
| 2024 | 254 | 145,875 | 22% | $6,477 |
| 2025 (partial) | 181 | 126,582 | 23% | $6,938 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 52 | 20% |
| 100–499 | 139 | 55% |
| 500–999 | 26 | 10% |
| 1,000–4,999 | 30 | 12% |
| 5,000 or more | 3 | 1% |
Premiums and broker pay
| Measure | Blue Cross Blue Shield | All carriers, Georgia |
|---|---|---|
| Median premium per person covered | $6,477 | $5,782 |
| Premium per person, middle half | $3,590–$8,870 | $2,168–$8,464 |
| Plans reporting broker or agent pay | 78% | 81% |
| Median broker pay, % of premium | 4.5% | 5.3% |
| Broker pay, middle half | 3.2%–6.1% | 3.7%–9.2% |
| Median broker pay per person covered | $268 | $303 |
Industries
Blue Cross Blue Shield's Georgia employer clients are concentrated in manufacturing (56 plans) and professional and technical services (32), followed by health care and social assistance (27).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 56 | 22% |
| Professional and technical services | 32 | 13% |
| Health care and social assistance | 27 | 11% |
| Retail trade | 24 | 9% |
| Construction | 21 | 8% |
| Finance and insurance | 21 | 8% |
Blue Cross Blue Shield employer clients in Georgia
228 employers in Georgia have a Blue Cross Blue Shield major-medical contract, 33 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 Georgia →
What the Blue Cross Blue Shield network pays hospitals in Georgia
Blue Cross Blue Shield commercial rates are on record at 25 Georgia 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 5 of 17 services and lower for 4. For MRI, lower back, the rate runs from $169 to $910 across 11 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) | 20 | $32,148 | $14,850–$58,138 | Lower | – |
| C-section delivery (hospital stay) | 19 | Locked | Locked | Lower | Locked |
| Vaginal delivery (hospital stay) | 20 | Locked | Locked | Lower | Locked |
| MRI, lower back | 11 | $692 | $169–$910 | About the same | $4,587 |
| MRI, knee | 11 | Locked | Locked | About the same | Locked |
| CT, head | 11 | Locked | Locked | About the same | Locked |
| CT, abdomen and pelvis | 11 | Locked | Locked | About the same | Locked |
| Screening mammogram | 15 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 17 | Locked | Locked | About the same | Locked |
| Upper GI endoscopy with biopsy | 17 | Locked | Locked | About the same | Locked |
| Knee arthroscopy | 16 | Locked | Locked | Lower | Locked |
| Cataract surgery | 16 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 17 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 19 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 12 | $1,261 | $901–$2,971 | Higher | $2,517 |
| Comprehensive metabolic panel | 21 | Locked | Locked | About the same | Locked |
| Complete blood count | 21 | Locked | Locked | About the same | 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 |
|---|---|---|---|---|---|---|
| Chi Memorial Hospital Georgia | $16,949 | Locked | Locked | Locked | Locked | Locked |
| Colquitt Regional Medical Center | $42,622 | Locked | Locked | Locked | Locked | Locked |
| Doctors Hospital Of Augusta | $14,934 | Locked | Locked | Locked | Locked | Locked |
| Emory Decatur Hospital | $32,148 | Locked | Locked | Locked | Locked | Locked |
| Emory Hillandale Hospital | $32,148 | Locked | Locked | Locked | Locked | Locked |
| Wellstar Cobb Medical Center | $58,138 | Locked | Locked | Locked | Locked | Locked |
| Wellstar Douglas Medical Center | $58,138 | Locked | Locked | Locked | Locked | Locked |
| Wellstar North Fulton Medical Center | $58,138 | Locked | Locked | Locked | Locked | Locked |
| Wellstar Sylvan Grove Medical Center | $58,138 | Locked | Locked | Locked | Locked | Locked |
| Wellstar West Georgia Medical Center | $58,138 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 35%, fee schedules 32%, per diem 29%, percent of billed charges 5%, other 0% of Blue Cross Blue Shield's published commercial rates for these services in Georgia.
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 Georgia
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 425 | 37% | $3,974 | 7.1% |
| Blue Cross Blue Shield | 254 | 22% | $6,477 | 4.5% |
| UnitedHealthcare | 209 | 18% | $5,782 | 5.4% |
| Other insurers (regional and local plans) | 169 | 15% | $2,801 | 6.6% |
| Kaiser Permanente | 140 | 12% | $7,879 | 4.5% |
| Aetna | 116 | 10% | $5,943 | 1.9% |
| Anthem (Elevance Health) | 25 | 2% | $3,617 | 5.2% |
| Humana | 6 | 1% | $1,848 | 6.8% |
Blue Cross Blue Shield in other states
FAQ
How many Georgia employers have Blue Cross Blue Shield health insurance?
254 employer health plans in Georgia reported a Blue Cross Blue Shield major-medical contract in their 2024 filings, covering 145,875 persons. Self-funded plans that Blue Cross Blue Shield only administers are not counted.
What is Blue Cross Blue Shield's share of the Georgia insured employer market?
22% of insured large employer health plans, 2nd of 8 carrier groups by plan count.
How much do brokers earn on Blue Cross Blue Shield plans in Georgia?
Where broker or agent pay was reported, the median was 4.5% of premium (5.3% across all carriers in Georgia).
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 254 Georgia 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: 235 contracts with 20+ persons covered and a reported premium; broker percentages use the 195 contracts that reported broker or agent pay.
- Hospital prices: Blue Cross Blue Shield commercial rates at Georgia hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.