Employer health plans · Ohio
Employer health plans in Ohio
How Ohio employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Ohio at a glance
Employer plan filings, 2024
Large employer health plans
2,870
form year 2024
Fully insured
1,408
49% of large plans
Self-funded
1,363
24% with stop-loss
Small plans
10,175
fewer details reported
Median premium per person covered
$6,598
insured contracts, all carriers
Insurance carriers for Ohio employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Anthem (Elevance Health) | 395 | 28% | 169,708 | $6,059 | 3.0% |
| UnitedHealthcare | 254 | 18% | 160,289 | $6,059 | 3.3% |
| Cigna | 182 | 13% | 114,292 | $4,365 | 5.0% |
| Aetna | 108 | 8% | 54,917 | $5,877 | 1.4% |
| Kaiser Permanente | 72 | 5% | 20,387 | $9,657 | 3.4% |
| Blue Cross Blue Shield | 56 | 4% | 11,905 | $6,144 | 4.4% |
| Humana | 20 | 1% | 8,491 | $2,090 | 4.7% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 3,001 | 1,590 | 1,277 | 43% |
| 2021 | 2,813 | 1,446 | 1,250 | 44% |
| 2022 | 2,847 | 1,438 | 1,299 | 46% |
| 2023 | 2,880 | 1,468 | 1,302 | 45% |
| 2024 | 2,870 | 1,408 | 1,363 | 47% |
| 2025 (partial) | 2,187 | 973 | 1,154 | 53% |
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.