Blue Cross Blue Shield employer health plans in Missouri
Who Blue Cross Blue Shield insures among Missouri 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 Missouri at a glance
What the data shows
Blue Cross Blue Shield insures 145 employer health plans in Missouri (23% of 626 insured large plans), 2nd of 8 carrier groups; UnitedHealthcare (157) hold more.
Blue Cross Blue Shield has shrunk 14% in Missouri since 2020, from 169 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (93 plans); 14 cover 1,000 or more.
Median premium per person covered was $7,522, 19% above the Missouri all-carrier median of $6,325. Benefit design and group mix differ, so this is not a price comparison.
80% of these plans reported broker or agent pay on their Blue Cross Blue Shield contracts; where paid, the median was 4.0% of premium (middle half 2.6%–5.6%).
At Missouri hospitals, Blue Cross Blue Shield's commercial rates run higher than other carriers' at the same hospital for 10 of 17 services; a hip or knee replacement stay has a median rate of $31,627 across 7 hospitals.
Blue Cross Blue Shield plans in Missouri, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 169 | 88,103 | 23% | $5,992 |
| 2021 | 176 | 95,036 | 25% | $6,167 |
| 2022 | 158 | 60,859 | 23% | $6,519 |
| 2023 | 164 | 58,745 | 24% | $6,815 |
| 2024 | 145 | 61,233 | 23% | $7,522 |
| 2025 (partial) | 117 | 43,118 | 24% | $7,997 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 23 | 16% |
| 100–499 | 93 | 64% |
| 500–999 | 14 | 10% |
| 1,000–4,999 | 13 | 9% |
| 5,000 or more | 1 | 1% |
Premiums and broker pay
| Measure | Blue Cross Blue Shield | All carriers, Missouri |
|---|---|---|
| Median premium per person covered | $7,522 | $6,325 |
| Premium per person, middle half | $6,198–$9,032 | $4,007–$8,590 |
| Plans reporting broker or agent pay | 80% | 78% |
| Median broker pay, % of premium | 4.0% | 4.0% |
| Broker pay, middle half | 2.6%–5.6% | 2.8%–5.8% |
| Median broker pay per person covered | $281 | $234 |
Industries
Blue Cross Blue Shield's Missouri employer clients are concentrated in manufacturing (27 plans) and professional and technical services (25), followed by health care and social assistance (20).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 27 | 19% |
| Professional and technical services | 25 | 17% |
| Health care and social assistance | 20 | 14% |
| Finance and insurance | 10 | 7% |
| Construction | 10 | 7% |
| Wholesale trade | 9 | 6% |
Blue Cross Blue Shield employer clients in Missouri
142 employers in Missouri have a Blue Cross Blue Shield major-medical contract, 14 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 Missouri →
What the Blue Cross Blue Shield network pays hospitals in Missouri
Blue Cross Blue Shield commercial rates are on record at 28 Missouri 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 10 of 17 services and lower for 6. For Emergency visit, level 4, the rate runs from $119 to $3,356 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) | 7 | $31,627 | $2,337–$33,984 | Higher | – |
| C-section delivery (hospital stay) | 9 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 9 | Locked | Locked | Higher | Locked |
| MRI, lower back | 19 | $252 | $161–$1,210 | Higher | $1,423 |
| MRI, knee | 19 | Locked | Locked | Higher | Locked |
| CT, head | 19 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 19 | Locked | Locked | Lower | Locked |
| Screening mammogram | 20 | Locked | Locked | Lower | Locked |
| Colonoscopy, diagnostic | 15 | Locked | Locked | Lower | Locked |
| Upper GI endoscopy with biopsy | 14 | Locked | Locked | Lower | Locked |
| Knee arthroscopy | 6 | Locked | Locked | About the same | Locked |
| Cataract surgery | 6 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 10 | Locked | Locked | Lower | Locked |
| Knee replacement, outpatient | 11 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 11 | $398 | $119–$3,356 | Higher | $1,748 |
| Comprehensive metabolic panel | 18 | Locked | Locked | Higher | Locked |
| Complete blood count | 18 | 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 |
|---|---|---|---|---|---|---|
| Belton Regional Medical Center | $31,627 | Locked | Locked | Locked | Locked | Locked |
| Centerpoint Medical Center | $31,627 | Locked | Locked | Locked | Locked | Locked |
| Harrison County Community Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Lake Regional Health System | $6,360 | Locked | Locked | Locked | Locked | Locked |
| Lee's Summit Medical Center | $31,627 | Locked | Locked | Locked | Locked | Locked |
| Mercy Hospital Stoddard | – | Locked | Locked | Locked | Locked | Locked |
| Mosaic Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| Mosaic Medical Center - St. Joseph | – | Locked | Locked | Locked | Locked | Locked |
| Mosaic Medical Center Albany | – | Locked | Locked | Locked | Locked | Locked |
| Research Medical Center | $33,984 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 22%, fee schedules 21%, per diem 0%, percent of billed charges 55%, other 1% of Blue Cross Blue Shield's published commercial rates for these services in Missouri.
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 Missouri
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| UnitedHealthcare | 157 | 25% | $5,574 | 3.9% |
| Blue Cross Blue Shield | 145 | 23% | $7,522 | 4.0% |
| Cigna | 121 | 19% | $5,157 | 5.0% |
| Anthem (Elevance Health) | 109 | 17% | $6,692 | 3.2% |
| Other insurers (regional and local plans) | 72 | 12% | $5,490 | 9.4% |
| Aetna | 39 | 6% | $6,079 | 4.1% |
| Kaiser Permanente | 39 | 6% | $9,730 | 3.5% |
| Humana | 18 | 3% | $2,806 | 7.3% |
Blue Cross Blue Shield in other states
FAQ
How many Missouri employers have Blue Cross Blue Shield health insurance?
145 employer health plans in Missouri reported a Blue Cross Blue Shield major-medical contract in their 2024 filings, covering 61,233 persons. Self-funded plans that Blue Cross Blue Shield only administers are not counted.
What is Blue Cross Blue Shield's share of the Missouri insured employer market?
23% 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 Missouri?
Where broker or agent pay was reported, the median was 4.0% of premium (4.0% across all carriers in Missouri).
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 145 Missouri 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: 133 contracts with 20+ persons covered and a reported premium; broker percentages use the 115 contracts that reported broker or agent pay.
- Hospital prices: Blue Cross Blue Shield commercial rates at Missouri hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.