Employer health plans · Minnesota
Employer health plans in Minnesota
How Minnesota employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Minnesota at a glance
Employer plan filings, 2024
Large employer health plans
1,515
form year 2024
Fully insured
768
51% of large plans
Self-funded
700
8% with stop-loss
Small plans
18
fewer details reported
Median premium per person covered
$6,946
insured contracts, all carriers
Insurance carriers for Minnesota 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 | 215 | 28% | 80,866 | $7,303 | 3.0% |
| UnitedHealthcare | 106 | 14% | 265,209 | $5,490 | 3.6% |
| Kaiser Permanente | 44 | 6% | 21,612 | $8,284 | 3.6% |
| Cigna | 27 | 4% | 7,046 | $2,041 | 8.9% |
| Aetna | 18 | 2% | 10,320 | $6,862 | 10.2% |
| Anthem (Elevance Health) | 4 | 1% | 1,115 | $7,374 | 0.1% |
| Humana | 2 | 0% | 705 | $716 | 4.4% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,427 | 732 | 663 | 46% |
| 2021 | 1,430 | 759 | 644 | 45% |
| 2022 | 1,495 | 783 | 678 | 45% |
| 2023 | 1,531 | 787 | 705 | 46% |
| 2024 | 1,515 | 768 | 700 | 46% |
| 2025 (partial) | 1,347 | 659 | 642 | 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.