Employer health plans · Michigan
Employer health plans in Michigan
How Michigan employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Michigan at a glance
Employer plan filings, 2024
Large employer health plans
2,387
form year 2024
Fully insured
1,588
67% of large plans
Self-funded
738
11% with stop-loss
Small plans
8
fewer details reported
Median premium per person covered
$6,177
insured contracts, all carriers
Insurance carriers for Michigan 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 | 1,065 | 67% | 588,099 | $6,461 | 3.3% |
| UnitedHealthcare | 69 | 4% | 172,976 | $4,590 | 4.2% |
| Kaiser Permanente | 57 | 4% | 16,946 | $8,441 | 4.3% |
| Cigna | 47 | 3% | 22,509 | $5,134 | 10.0% |
| Aetna | 33 | 2% | 41,735 | $1,730 | 5.3% |
| Humana | 31 | 2% | 19,782 | $3,095 | 3.3% |
| Anthem (Elevance Health) | 6 | 0% | 1,522 | $6,102 | 2.5% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 2,363 | 1,494 | 790 | 33% |
| 2021 | 2,295 | 1,485 | 752 | 33% |
| 2022 | 2,376 | 1,577 | 743 | 31% |
| 2023 | 2,431 | 1,604 | 765 | 31% |
| 2024 | 2,387 | 1,588 | 738 | 31% |
| 2025 (partial) | 1,844 | 1,123 | 666 | 36% |
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.