Blue Cross Blue Shield employer health plans in Mississippi
Who Blue Cross Blue Shield insures among Mississippi employers and what those plans pay in premium and broker compensation, and what the Blue Cross Blue Shield network pays physicians and hospitals.
Blue Cross Blue Shield employer health plans in Mississippi at a glance
What the data shows
Blue Cross Blue Shield is the largest insurer of employer health plans in Mississippi: 116 plans held a Blue Cross Blue Shield major-medical contract in form year 2024, 70% of the state's 166 insured large plans, ahead of UnitedHealthcare with 36.
Blue Cross Blue Shield has shrunk 7% in Mississippi since 2020, from 125 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (96 plans); 3 cover 1,000 or more.
Median premium per person covered was $4,505, 9% above the Mississippi all-carrier median of $4,143. Benefit design and group mix differ, so this is not a price comparison.
88% of these plans reported broker or agent pay on their Blue Cross Blue Shield contracts; where paid, the median was 3.6% of premium (middle half 2.9%–4.4%).
In BCBS: BCBS MS, 1 of the 50 Employer 50 services have a Mississippi benchmark, at a median of 116% of Medicare across those services.
At Mississippi hospitals, Blue Cross Blue Shield's commercial rates run higher than other carriers' at the same hospital for 0 of 3 services; a hip or knee replacement stay has a median rate of $21,218 across 5 hospitals.
Blue Cross Blue Shield plans in Mississippi, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 125 | 36,547 | 71% | $4,335 |
| 2021 | 125 | 35,996 | 65% | $4,394 |
| 2022 | 113 | 31,427 | 62% | $4,764 |
| 2023 | 112 | 31,775 | 62% | $4,677 |
| 2024 | 116 | 31,052 | 70% | $4,505 |
| 2025 (partial) | 63 | 19,546 | 68% | $4,195 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 11 | 9% |
| 100–499 | 96 | 83% |
| 500–999 | 6 | 5% |
| 1,000–4,999 | 3 | 3% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | Blue Cross Blue Shield | All carriers, Mississippi |
|---|---|---|
| Median premium per person covered | $4,505 | $4,143 |
| Premium per person, middle half | $3,400–$5,383 | $2,821–$5,454 |
| Plans reporting broker or agent pay | 88% | 88% |
| Median broker pay, % of premium | 3.6% | 4.2% |
| Broker pay, middle half | 2.9%–4.4% | 3.1%–5.8% |
| Median broker pay per person covered | $153 | $161 |
Industries
Blue Cross Blue Shield's Mississippi employer clients are concentrated in health care and social assistance (36 plans) and manufacturing (13), followed by wholesale trade (9).
| Industry | Plans | Share |
|---|---|---|
| Health care and social assistance | 36 | 31% |
| Manufacturing | 13 | 11% |
| Wholesale trade | 9 | 8% |
| Retail trade | 9 | 8% |
| Real estate | 6 | 5% |
| Finance and insurance | 6 | 5% |
Blue Cross Blue Shield employer clients in Mississippi
98 employers in Mississippi have a Blue Cross Blue Shield major-medical contract, 3 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 Mississippi →
What the Blue Cross Blue Shield network pays physicians in Mississippi
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Surgical pathology, tissue exam (level IV) | 88305 | $81 | $81–$81 | 116% | $58 | 68 |
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 Blue Cross Blue Shield network pays hospitals in Mississippi
Blue Cross Blue Shield commercial rates are on record at 17 Mississippi 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 0 of 3 services and lower for 3. For Emergency visit, level 4, the rate runs from $170 to $675 across 8 hospitals.
This page shows 2 of the 10 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) | 5 | $21,218 | $19,289–$23,322 | – | – |
| C-section delivery (hospital stay) | 6 | Locked | Locked | Lower | Locked |
| Vaginal delivery (hospital stay) | 6 | Locked | Locked | Lower | Locked |
| CT, head | 5 | Locked | Locked | – | Locked |
| CT, abdomen and pelvis | 5 | Locked | Locked | – | Locked |
| Screening mammogram | 8 | Locked | Locked | – | Locked |
| Cataract surgery | 5 | Locked | Locked | – | Locked |
| Emergency visit, level 4 | 8 | $384 | $170–$675 | Lower | $244 |
| Comprehensive metabolic panel | 6 | Locked | Locked | – | Locked |
| Complete blood count | 6 | Locked | Locked | – | 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 |
|---|---|---|---|---|---|---|
| Bolivar Medical Center | $19,289 | Locked | Locked | Locked | Locked | Locked |
| Covington County Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Field Memorial Community Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Magee General Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Magnolia Regional Health Center | – | Locked | Locked | Locked | Locked | Locked |
| Memorial Hospital At Gulfport | $23,322 | Locked | Locked | Locked | Locked | Locked |
| Memorial Hospital Biloxi | $21,218 | Locked | Locked | Locked | Locked | Locked |
| Memorial Stone County Hospital | $23,322 | Locked | Locked | Locked | Locked | Locked |
| The University Of Mississippi Medical Center Ummc | – | Locked | Locked | Locked | Locked | Locked |
| University Of Mississippi Medical Center - Grenada | – | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 4%, fee schedules 85%, per diem 1%, percent of billed charges 5%, other 5% of Blue Cross Blue Shield's published commercial rates for these services in Mississippi.
Employers: see all 10 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 Mississippi
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 116 | 70% | $4,505 | 3.6% |
| UnitedHealthcare | 36 | 22% | $4,033 | 6.0% |
| Other insurers (regional and local plans) | 18 | 11% | $828 | 12.0% |
| Cigna | 5 | 3% | $2,383 | 5.4% |
| Humana | 1 | 1% | $3,093 | 3.2% |
Blue Cross Blue Shield in other states
FAQ
How many Mississippi employers have Blue Cross Blue Shield health insurance?
116 employer health plans in Mississippi reported a Blue Cross Blue Shield major-medical contract in their 2024 filings, covering 31,052 persons. Self-funded plans that Blue Cross Blue Shield only administers are not counted.
What is Blue Cross Blue Shield's share of the Mississippi insured employer market?
70% of insured large employer health plans, 1st of 5 carrier groups by plan count.
How much do brokers earn on Blue Cross Blue Shield plans in Mississippi?
Where broker or agent pay was reported, the median was 3.6% of premium (4.2% across all carriers in Mississippi).
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 116 Mississippi 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: 103 contracts with 20+ persons covered and a reported premium; broker percentages use the 101 contracts that reported broker or agent pay.
- Network rates: BCBS: BCBS MS, professional fees only, from a sample of providers.
- Hospital prices: Blue Cross Blue Shield commercial rates at Mississippi hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.