Employer health plans · Connecticut
Employer health plans in Connecticut
How Connecticut employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Connecticut at a glance
Employer plan filings, 2024
Large employer health plans
834
form year 2024
Fully insured
521
62% of large plans
Self-funded
297
15% with stop-loss
Small plans
7
fewer details reported
Median premium per person covered
$7,714
insured contracts, all carriers
Insurance carriers for Connecticut employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Cigna | 184 | 35% | 78,543 | $7,700 | 5.2% |
| UnitedHealthcare | 148 | 28% | 80,076 | $7,207 | 4.2% |
| Aetna | 88 | 17% | 50,917 | $7,947 | 1.7% |
| Anthem (Elevance Health) | 58 | 11% | 17,427 | $7,103 | 3.0% |
| Kaiser Permanente | 53 | 10% | 32,097 | $9,932 | 2.9% |
| Blue Cross Blue Shield | 42 | 8% | 9,810 | $7,152 | 4.2% |
| Humana | 3 | 1% | 46 | $3,491 | 2.8% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 846 | 579 | 259 | 31% |
| 2021 | 871 | 575 | 283 | 32% |
| 2022 | 865 | 574 | 275 | 32% |
| 2023 | 886 | 577 | 292 | 33% |
| 2024 | 834 | 521 | 297 | 36% |
| 2025 (partial) | 624 | 364 | 250 | 40% |
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.