Employer health plans · Florida
Employer health plans in Florida
How Florida employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Florida at a glance
Employer plan filings, 2024
Large employer health plans
3,381
form year 2024
Fully insured
2,382
70% of large plans
Self-funded
905
14% with stop-loss
Small plans
708
fewer details reported
Median premium per person covered
$7,366
insured contracts, all carriers
Insurance carriers for Florida 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 | 936 | 39% | 215,073 | $11,719 | 4.5% |
| Cigna | 643 | 27% | 397,531 | $3,882 | 6.4% |
| UnitedHealthcare | 563 | 24% | 592,105 | $5,931 | 5.2% |
| Aetna | 158 | 7% | 522,683 | $5,868 | 2.9% |
| Kaiser Permanente | 150 | 6% | 77,561 | $9,003 | 3.5% |
| Humana | 43 | 2% | 7,243 | $611 | 8.3% |
| Anthem (Elevance Health) | 25 | 1% | 47,717 | $6,413 | 5.2% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 3,129 | 2,400 | 654 | 21% |
| 2021 | 3,036 | 2,281 | 673 | 22% |
| 2022 | 3,254 | 2,403 | 746 | 23% |
| 2023 | 3,369 | 2,426 | 836 | 25% |
| 2024 | 3,381 | 2,382 | 905 | 27% |
| 2025 (partial) | 2,159 | 1,395 | 688 | 32% |
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.