Blue Cross Blue Shield employer health plans in Montana
Who Blue Cross Blue Shield insures among Montana employers and what those plans pay in premium and broker compensation.
Blue Cross Blue Shield employer health plans in Montana at a glance
What the data shows
Blue Cross Blue Shield is the largest insurer of employer health plans in Montana: 80 plans held a Blue Cross Blue Shield major-medical contract in form year 2024, 80% of the state's 100 insured large plans, ahead of UnitedHealthcare with 4.
Blue Cross Blue Shield has grown 43% in Montana since 2020, from 56 plans.
Most of these plans cover 100–499 people (59 plans); 3 cover 1,000 or more.
Median premium per person covered was $6,567, 3% above the Montana all-carrier median of $6,359. Benefit design and group mix differ, so this is not a price comparison.
86% of these plans reported broker or agent pay on their Blue Cross Blue Shield contracts; where paid, the median was 3.8% of premium (middle half 2.9%–5.0%).
Blue Cross Blue Shield plans in Montana, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 56 | 39,332 | 68% | $5,579 |
| 2021 | 59 | 19,656 | 75% | $5,646 |
| 2022 | 67 | 22,210 | 77% | $6,150 |
| 2023 | 78 | 27,048 | 83% | $6,173 |
| 2024 | 80 | 26,715 | 80% | $6,567 |
| 2025 (partial) | 68 | 29,054 | 74% | $6,662 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 8 | 10% |
| 100–499 | 59 | 74% |
| 500–999 | 10 | 12% |
| 1,000–4,999 | 3 | 4% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | Blue Cross Blue Shield | All carriers, Montana |
|---|---|---|
| Median premium per person covered | $6,567 | $6,359 |
| Premium per person, middle half | $5,817–$7,512 | $5,541–$7,453 |
| Plans reporting broker or agent pay | 86% | 85% |
| Median broker pay, % of premium | 3.8% | 4.0% |
| Broker pay, middle half | 2.9%–5.0% | 3.0%–5.2% |
| Median broker pay per person covered | $252 | $255 |
Industries
Blue Cross Blue Shield's Montana employer clients are concentrated in retail trade (17 plans) and health care and social assistance (12), followed by finance and insurance (10).
| Industry | Plans | Share |
|---|---|---|
| Retail trade | 17 | 21% |
| Health care and social assistance | 12 | 15% |
| Finance and insurance | 10 | 12% |
| Professional and technical services | 10 | 12% |
| Construction | 5 | 6% |
| Transportation and warehousing | 5 | 6% |
Blue Cross Blue Shield employer clients in Montana
72 employers in Montana 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 Montana →
Carriers in Montana
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 80 | 80% | $6,567 | 3.8% |
| Other insurers (regional and local plans) | 15 | 15% | $5,906 | 5.0% |
| UnitedHealthcare | 4 | 4% | $3,373 | 5.4% |
| Cigna | 3 | 3% | $2,108 | 17.2% |
| Kaiser Permanente | 1 | 1% | $6,427 | – |
Blue Cross Blue Shield in other states
FAQ
How many Montana employers have Blue Cross Blue Shield health insurance?
80 employer health plans in Montana reported a Blue Cross Blue Shield major-medical contract in their 2024 filings, covering 26,715 persons. Self-funded plans that Blue Cross Blue Shield only administers are not counted.
What is Blue Cross Blue Shield's share of the Montana insured employer market?
80% 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 Montana?
Where broker or agent pay was reported, the median was 3.8% of premium (4.0% across all carriers in Montana).
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 80 Montana 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: 73 contracts with 20+ persons covered and a reported premium; broker percentages use the 69 contracts that reported broker or agent pay.
- Full method and limits: how the employer health plan data is built.