Employer health plans · Tennessee
Employer health plans in Tennessee
How Tennessee employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Tennessee at a glance
Employer plan filings, 2024
Large employer health plans
1,503
form year 2024
Fully insured
913
61% of large plans
Self-funded
548
19% with stop-loss
Small plans
20
fewer details reported
Median premium per person covered
$5,257
insured contracts, all carriers
Insurance carriers for Tennessee 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 | 530 | 58% | 210,931 | $5,334 | 4.9% |
| Cigna | 228 | 25% | 147,251 | $4,297 | 5.4% |
| UnitedHealthcare | 98 | 11% | 88,535 | $5,450 | 5.2% |
| Aetna | 35 | 4% | 43,477 | $4,432 | 4.5% |
| Kaiser Permanente | 34 | 4% | 25,622 | $10,471 | 3.1% |
| Humana | 5 | 1% | 11,028 | $2,553 | 1.0% |
| Anthem (Elevance Health) | 4 | 0% | 5,646 | $7,508 | 2.1% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,405 | 932 | 442 | 31% |
| 2021 | 1,434 | 927 | 464 | 32% |
| 2022 | 1,430 | 938 | 456 | 32% |
| 2023 | 1,512 | 941 | 522 | 35% |
| 2024 | 1,503 | 913 | 548 | 36% |
| 2025 (partial) | 1,099 | 605 | 471 | 43% |
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.