Employer health plans · Texas
Employer health plans in Texas
How Texas employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Texas at a glance
Employer plan filings, 2024
Large employer health plans
5,831
form year 2024
Fully insured
3,599
62% of large plans
Self-funded
2,084
9% with stop-loss
Small plans
88
fewer details reported
Median premium per person covered
$5,901
insured contracts, all carriers
Insurance carriers for Texas 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 | 1,804 | 50% | 941,781 | $6,240 | 4.3% |
| UnitedHealthcare | 734 | 20% | 1,044,426 | $5,375 | 5.1% |
| Cigna | 654 | 18% | 533,133 | $2,700 | 7.7% |
| Kaiser Permanente | 271 | 8% | 103,299 | $9,124 | 3.9% |
| Aetna | 190 | 5% | 199,903 | $6,075 | 3.9% |
| Anthem (Elevance Health) | 33 | 1% | 27,270 | $6,897 | 4.8% |
| Humana | 11 | 0% | 2,809 | $3,665 | 5.3% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 5,347 | 3,260 | 1,960 | 37% |
| 2021 | 5,314 | 3,255 | 1,936 | 36% |
| 2022 | 5,620 | 3,493 | 1,988 | 35% |
| 2023 | 5,840 | 3,632 | 2,056 | 35% |
| 2024 | 5,831 | 3,599 | 2,084 | 36% |
| 2025 (partial) | 4,229 | 2,497 | 1,641 | 39% |
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.