Employer health plans · Louisiana
Employer health plans in Louisiana
How Louisiana employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Louisiana at a glance
Employer plan filings, 2024
Large employer health plans
754
form year 2024
Fully insured
443
59% of large plans
Self-funded
278
19% with stop-loss
Small plans
6
fewer details reported
Median premium per person covered
$6,385
insured contracts, all carriers
Insurance carriers for Louisiana 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 | 287 | 65% | 85,129 | $7,541 | 5.0% |
| UnitedHealthcare | 95 | 21% | 42,890 | $5,367 | 4.2% |
| Cigna | 19 | 4% | 10,717 | $751 | 5.3% |
| Aetna | 10 | 2% | 2,891 | $6,397 | 4.9% |
| Kaiser Permanente | 4 | 1% | 301 | $11,886 | 4.0% |
| Humana | 4 | 1% | 21,470 | $123 | 4.4% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 714 | 498 | 193 | 27% |
| 2021 | 728 | 505 | 200 | 27% |
| 2022 | 735 | 483 | 229 | 31% |
| 2023 | 777 | 490 | 251 | 32% |
| 2024 | 754 | 443 | 278 | 37% |
| 2025 (partial) | 536 | 319 | 204 | 38% |
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.