Employer health plans · Nevada
Employer health plans in Nevada
How Nevada employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Nevada at a glance
Employer plan filings, 2024
Large employer health plans
443
form year 2024
Fully insured
335
76% of large plans
Self-funded
101
32% with stop-loss
Small plans
6
fewer details reported
Median premium per person covered
$5,519
insured contracts, all carriers
Insurance carriers for Nevada employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| UnitedHealthcare | 95 | 28% | 48,809 | $5,114 | 5.1% |
| Anthem (Elevance Health) | 74 | 22% | 43,106 | $5,237 | 4.0% |
| Cigna | 31 | 9% | 22,633 | $2,266 | 5.3% |
| Aetna | 25 | 7% | 7,228 | $6,005 | 4.1% |
| Kaiser Permanente | 25 | 7% | 3,764 | $9,661 | 4.7% |
| Blue Cross Blue Shield | 9 | 3% | 1,490 | $7,214 | 5.0% |
| Humana | 1 | 0% | 89 | $3,294 | – |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 384 | 295 | 85 | 22% |
| 2021 | 390 | 292 | 93 | 24% |
| 2022 | 417 | 321 | 89 | 21% |
| 2023 | 461 | 355 | 96 | 21% |
| 2024 | 443 | 335 | 101 | 23% |
| 2025 (partial) | 290 | 200 | 85 | 29% |
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.