Blue Cross Blue Shield employer health plans in Vermont
Who Blue Cross Blue Shield insures among Vermont employers and what those plans pay in premium and broker compensation, and what the Blue Cross Blue Shield network pays physicians.
Blue Cross Blue Shield employer health plans in Vermont at a glance
What the data shows
Blue Cross Blue Shield is the largest insurer of employer health plans in Vermont: 33 plans held a Blue Cross Blue Shield major-medical contract in form year 2024, 43% of the state's 77 insured large plans, ahead of Cigna with 32.
Blue Cross Blue Shield has grown 154% in Vermont since 2020, from 13 plans.
Most of these plans cover 100–499 people (29 plans); 1 cover 1,000 or more.
Median premium per person covered was $7,876, 17% above the Vermont all-carrier median of $6,715. Benefit design and group mix differ, so this is not a price comparison.
48% of these plans reported broker or agent pay on their Blue Cross Blue Shield contracts; where paid, the median was 1.6% of premium (middle half 0.1%–2.8%).
In BCBS: BCBS VT, 19 of the 50 Employer 50 services have a Vermont benchmark, at a median of 139% of Medicare across those services.
Blue Cross Blue Shield plans in Vermont, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 13 | 3,824 | 15% | $6,923 |
| 2021 | 17 | 5,354 | 24% | $7,503 |
| 2022 | 28 | 7,272 | 35% | $7,538 |
| 2023 | 24 | 6,479 | 35% | $8,422 |
| 2024 | 33 | 11,080 | 43% | $7,876 |
| 2025 (partial) | 14 | 3,600 | 30% | $11,880 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 2 | 6% |
| 100–499 | 29 | 88% |
| 500–999 | 1 | 3% |
| 1,000–4,999 | 1 | 3% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | Blue Cross Blue Shield | All carriers, Vermont |
|---|---|---|
| Median premium per person covered | $7,876 | $6,715 |
| Premium per person, middle half | $6,632–$10,523 | $3,659–$9,057 |
| Plans reporting broker or agent pay | 48% | 67% |
| Median broker pay, % of premium | 1.6% | 3.9% |
| Broker pay, middle half | 0.1%–2.8% | 1.7%–6.0% |
| Median broker pay per person covered | $163 | $179 |
Industries
Blue Cross Blue Shield's Vermont employer clients are concentrated in educational services (14 plans) and health care and social assistance (6), followed by professional and technical services (4).
| Industry | Plans | Share |
|---|---|---|
| Educational services | 14 | 42% |
| Health care and social assistance | 6 | 18% |
| Professional and technical services | 4 | 12% |
| Retail trade | 2 | 6% |
| Other services | 1 | 3% |
| Arts and recreation | 1 | 3% |
Blue Cross Blue Shield employer clients in Vermont
17 employers in Vermont have a Blue Cross Blue Shield major-medical contract, 1 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 Vermont →
What the Blue Cross Blue Shield network pays physicians in Vermont
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Cataract removal with lens implant | 66984 | $1,378 | $1,368–$1,378 | 298% | $772 | 16 |
| Abdominal ultrasound, complete | 76700 | $52 | $52–$62 | 140% | $57 | 16 |
| Bone density scan (DXA), axial | 77080 | $15 | $15–$17 | 157% | $15 | 16 |
| CT abdomen and pelvis with contrast | 74177 | $92 | $92–$109 | 110% | $128 | 16 |
| CT chest without contrast | 71250 | $67 | $67–$67 | 135% | $76 | 14 |
| Chest X-ray, 2 views | 71046 | $13 | $13–$13 | 132% | $15 | 14 |
| MRI brain without and with contrast | 70553 | $149 | $149–$175 | 141% | $166 | 16 |
| MRI cervical spine without contrast | 72141 | $101 | $101–$115 | 148% | $128 | 16 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $85 | $85–$100 | 135% | $124 | 16 |
| MRI lumbar spine without contrast | 72148 | $93 | $93–$107 | 136% | $128 | 16 |
| MRI shoulder (upper-extremity joint) without contrast | 73221 | $85 | $85–$100 | 134% | $125 | 16 |
| Pelvic ultrasound, complete (non-obstetric) | 76856 | $45 | $45–$52 | 137% | $49 | 16 |
| Screening mammography, bilateral (incl. CAD) | 77067 | $46 | $46–$55 | 132% | $52 | 16 |
| Surgical pathology, tissue exam (level IV) | 88305 | $122 | $108–$122 | 174% | $78 | 14 |
| Arthroscopic rotator cuff repair | 29827 | $1,351 | $1,351–$1,351 | 138% | $2,001 | 10 |
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.
Carriers in Vermont
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 33 | 43% | $7,876 | 1.6% |
| Cigna | 32 | 42% | $3,988 | 5.0% |
| Other insurers (regional and local plans) | 11 | 14% | $7,035 | 4.0% |
| Anthem (Elevance Health) | 2 | 3% | $3,659 | 2.1% |
| UnitedHealthcare | 1 | 1% | $5,264 | 3.1% |
Blue Cross Blue Shield in other states
FAQ
How many Vermont employers have Blue Cross Blue Shield health insurance?
33 employer health plans in Vermont reported a Blue Cross Blue Shield major-medical contract in their 2024 filings, covering 11,080 persons. Self-funded plans that Blue Cross Blue Shield only administers are not counted.
What is Blue Cross Blue Shield's share of the Vermont insured employer market?
43% 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 Vermont?
Where broker or agent pay was reported, the median was 1.6% of premium (3.9% across all carriers in Vermont).
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 33 Vermont 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: 27 contracts with 20+ persons covered and a reported premium; broker percentages use the 16 contracts that reported broker or agent pay.
- Network rates: BCBS: BCBS VT, professional fees only, from a sample of providers.
- Full method and limits: how the employer health plan data is built.