Employer health plans · Arizona
Employer health plans in Arizona
How Arizona employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Arizona at a glance
Employer plan filings, 2024
Large employer health plans
1,156
form year 2024
Fully insured
749
65% of large plans
Self-funded
369
9% with stop-loss
Small plans
23
fewer details reported
Median premium per person covered
$5,111
insured contracts, all carriers
Insurance carriers for Arizona employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Blue Cross Blue Shield | 293 | 39% | 116,561 | $5,557 | 5.0% |
| Cigna | 194 | 26% | 128,344 | $2,634 | 8.0% |
| UnitedHealthcare | 154 | 21% | 71,421 | $4,911 | 5.3% |
| Kaiser Permanente | 75 | 10% | 39,147 | $9,007 | 4.1% |
| Aetna | 73 | 10% | 39,276 | $5,396 | 4.4% |
| Anthem (Elevance Health) | 8 | 1% | 110,569 | $5,860 | 4.4% |
| Humana | 1 | 0% | 249 | $4,272 | 2.3% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,067 | 713 | 319 | 30% |
| 2021 | 1,018 | 666 | 325 | 32% |
| 2022 | 1,078 | 701 | 341 | 32% |
| 2023 | 1,145 | 751 | 361 | 32% |
| 2024 | 1,156 | 749 | 369 | 32% |
| 2025 (partial) | 853 | 517 | 313 | 37% |
Methodology
How these numbers are calculated
- Sources: employer health plan filings for 2020–2024 (2025 is still coming in and is labelled partial), negotiated rates published by health insurers and hospitals (2026), and Medicare fee schedules for reference.
- Which plans count: large employer health plans, placed in the state of the employer's business address. A carrier's figures count plans with a major-medical insurance contract with that carrier. Self-funded plans that a carrier only administers are not counted under that carrier, and supplemental coverage (dental, vision, accident, hospital indemnity) is excluded.
- Premium per person covered: premium divided by the persons covered on the contract, for contracts covering at least 20 persons.
- Broker pay: commissions and fees paid on each contract, as a share of that contract's premium.
- Network rates: physician negotiated rates for the Employer 50 services, from a sample of providers, shown as a percentage of Medicare. Shown only where the network passes Medlyze's quality checks for the state.
- Hospital prices: commercial negotiated rates (2026) for the whole hospital stay or the hospital's facility charge. Medicare Advantage, Medicaid and individual-market rates are excluded, and so is Humana, whose hospital rates are almost all Medicare. Physician, anesthesia and implant charges are separate.
- Not a judgement: differences describe the plans and rates analyzed. They are not findings about any employer, carrier or broker, and they say nothing about quality or value.
Get the full figures
Brokers: an Employer Account Brief on one employer, or a Prospect List for this market. Employers: a Plan Cost Benchmark for your own plan, with every hospital near your people.