Employer health plans · Missouri
Employer health plans in Missouri
How Missouri employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Missouri at a glance
Employer plan filings, 2024
Large employer health plans
1,234
form year 2024
Fully insured
626
51% of large plans
Self-funded
554
27% with stop-loss
Small plans
4,312
fewer details reported
Median premium per person covered
$6,325
insured contracts, all carriers
Insurance carriers for Missouri employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| UnitedHealthcare | 157 | 25% | 136,648 | $5,574 | 3.9% |
| Blue Cross Blue Shield | 145 | 23% | 61,233 | $7,522 | 4.0% |
| Cigna | 121 | 19% | 55,511 | $5,157 | 5.0% |
| Anthem (Elevance Health) | 109 | 17% | 42,789 | $6,692 | 3.2% |
| Aetna | 39 | 6% | 15,819 | $6,079 | 4.1% |
| Kaiser Permanente | 39 | 6% | 9,728 | $9,730 | 3.5% |
| Humana | 18 | 3% | 3,348 | $2,806 | 7.3% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,309 | 734 | 533 | 41% |
| 2021 | 1,300 | 716 | 527 | 41% |
| 2022 | 1,277 | 693 | 531 | 42% |
| 2023 | 1,271 | 692 | 532 | 42% |
| 2024 | 1,234 | 626 | 554 | 45% |
| 2025 (partial) | 1,030 | 493 | 489 | 47% |
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.