Employer health plans · Kentucky
Employer health plans in Kentucky
How Kentucky employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Kentucky at a glance
Employer plan filings, 2024
Large employer health plans
791
form year 2024
Fully insured
410
52% of large plans
Self-funded
352
16% with stop-loss
Small plans
4,685
fewer details reported
Median premium per person covered
$5,940
insured contracts, all carriers
Insurance carriers for Kentucky employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Anthem (Elevance Health) | 256 | 62% | 115,416 | $6,062 | 2.8% |
| UnitedHealthcare | 56 | 14% | 17,197 | $5,672 | 3.0% |
| Cigna | 26 | 6% | 11,756 | $2,076 | 6.2% |
| Humana | 26 | 6% | 11,781 | $6,065 | 4.6% |
| Blue Cross Blue Shield | 17 | 4% | 3,191 | $6,275 | 4.9% |
| Kaiser Permanente | 11 | 3% | 5,088 | $7,282 | 2.3% |
| Aetna | 8 | 2% | 1,706 | $6,446 | 3.0% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 749 | 409 | 312 | 42% |
| 2021 | 756 | 421 | 309 | 41% |
| 2022 | 758 | 420 | 314 | 41% |
| 2023 | 800 | 431 | 344 | 43% |
| 2024 | 791 | 410 | 352 | 45% |
| 2025 (partial) | 596 | 285 | 286 | 48% |
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.