Employer health plans · Delaware
Employer health plans in Delaware
How Delaware employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Delaware at a glance
Employer plan filings, 2024
Large employer health plans
221
form year 2024
Fully insured
96
43% of large plans
Self-funded
120
49% with stop-loss
Small plans
3
fewer details reported
Median premium per person covered
$7,934
insured contracts, all carriers
Insurance carriers for Delaware 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 | 45 | 47% | 14,081 | $9,150 | 3.5% |
| Cigna | 25 | 26% | 5,084 | $8,174 | 5.3% |
| Aetna | 11 | 11% | 4,123 | $5,867 | 0.5% |
| Kaiser Permanente | 10 | 10% | 783 | $7,149 | 4.2% |
| UnitedHealthcare | 8 | 8% | 6,095 | $4,769 | 4.0% |
| Anthem (Elevance Health) | 2 | 2% | 936 | $7,826 | 3.3% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 177 | 87 | 85 | 48% |
| 2021 | 194 | 90 | 98 | 51% |
| 2022 | 212 | 100 | 105 | 50% |
| 2023 | 216 | 96 | 115 | 53% |
| 2024 | 221 | 96 | 120 | 54% |
| 2025 (partial) | 186 | 90 | 93 | 50% |
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.