Employer health plans · New York
Employer health plans in New York
How New York employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in New York at a glance
Employer plan filings, 2024
Large employer health plans
4,157
form year 2024
Fully insured
2,760
66% of large plans
Self-funded
1,319
16% with stop-loss
Small plans
93
fewer details reported
Median premium per person covered
$9,072
insured contracts, all carriers
Insurance carriers for New York employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Cigna | 799 | 29% | 565,131 | $8,959 | 5.4% |
| Blue Cross Blue Shield | 603 | 22% | 203,799 | $10,634 | 3.7% |
| UnitedHealthcare | 532 | 19% | 352,317 | $9,011 | 4.3% |
| Aetna | 348 | 13% | 386,373 | $8,436 | 4.2% |
| Anthem (Elevance Health) | 270 | 10% | 160,796 | $8,845 | 4.0% |
| Kaiser Permanente | 244 | 9% | 52,591 | $9,169 | 4.2% |
| Humana | 10 | 0% | 1,243 | $3,012 | 3.5% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 4,044 | 2,773 | 1,212 | 30% |
| 2021 | 3,963 | 2,709 | 1,184 | 30% |
| 2022 | 4,134 | 2,794 | 1,244 | 30% |
| 2023 | 4,209 | 2,837 | 1,279 | 30% |
| 2024 | 4,157 | 2,760 | 1,319 | 32% |
| 2025 (partial) | 3,175 | 2,028 | 1,075 | 34% |
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.