Employer health plans · Pennsylvania
Employer health plans in Pennsylvania
How Pennsylvania employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Pennsylvania at a glance
Employer plan filings, 2024
Large employer health plans
3,717
form year 2024
Fully insured
1,491
40% of large plans
Self-funded
2,145
53% with stop-loss
Small plans
53
fewer details reported
Median premium per person covered
$7,075
insured contracts, all carriers
Insurance carriers for Pennsylvania 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 | 800 | 54% | 717,998 | $7,441 | 3.3% |
| Cigna | 207 | 14% | 157,446 | $3,936 | 6.1% |
| Aetna | 158 | 11% | 130,491 | $5,612 | 3.1% |
| UnitedHealthcare | 122 | 8% | 96,258 | $5,192 | 4.4% |
| Kaiser Permanente | 97 | 7% | 34,210 | $9,455 | 3.0% |
| Anthem (Elevance Health) | 7 | 0% | 1,193 | $8,992 | 2.0% |
| Humana | 5 | 0% | 9,078 | $2,657 | – |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 3,451 | 1,752 | 1,624 | 47% |
| 2021 | 3,475 | 1,680 | 1,719 | 49% |
| 2022 | 3,654 | 1,636 | 1,935 | 53% |
| 2023 | 3,815 | 1,613 | 2,109 | 55% |
| 2024 | 3,717 | 1,491 | 2,145 | 58% |
| 2025 (partial) | 2,495 | 965 | 1,461 | 59% |
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.