Employer health plans · Georgia
Employer health plans in Georgia
How Georgia employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Georgia at a glance
Employer plan filings, 2024
Large employer health plans
2,141
form year 2024
Fully insured
1,160
54% of large plans
Self-funded
899
20% with stop-loss
Small plans
4,498
fewer details reported
Median premium per person covered
$5,782
insured contracts, all carriers
Insurance carriers for Georgia employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Cigna | 425 | 37% | 238,018 | $3,974 | 7.1% |
| Blue Cross Blue Shield | 254 | 22% | 145,875 | $6,477 | 4.5% |
| UnitedHealthcare | 209 | 18% | 1,625,779 | $5,782 | 5.4% |
| Kaiser Permanente | 140 | 12% | 62,946 | $7,879 | 4.5% |
| Aetna | 116 | 10% | 213,810 | $5,943 | 1.9% |
| Anthem (Elevance Health) | 25 | 2% | 60,098 | $3,617 | 5.2% |
| Humana | 6 | 1% | 916 | $1,848 | 6.8% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,921 | 1,212 | 642 | 33% |
| 2021 | 1,990 | 1,253 | 673 | 34% |
| 2022 | 2,052 | 1,208 | 767 | 37% |
| 2023 | 2,165 | 1,238 | 847 | 39% |
| 2024 | 2,141 | 1,160 | 899 | 42% |
| 2025 (partial) | 1,542 | 785 | 689 | 45% |
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.