Employer health plans · Utah
Employer health plans in Utah
How Utah employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Utah at a glance
Employer plan filings, 2024
Large employer health plans
770
form year 2024
Fully insured
478
62% of large plans
Self-funded
270
7% with stop-loss
Small plans
5
fewer details reported
Median premium per person covered
$5,241
insured contracts, all carriers
Insurance carriers for Utah employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| UnitedHealthcare | 101 | 21% | 60,416 | $5,232 | 4.9% |
| Cigna | 77 | 16% | 32,098 | $2,210 | 9.9% |
| Blue Cross Blue Shield | 74 | 15% | 20,309 | $5,612 | 4.0% |
| Kaiser Permanente | 49 | 10% | 13,469 | $7,530 | 3.7% |
| Aetna | 24 | 5% | 16,117 | $5,907 | 2.9% |
| Anthem (Elevance Health) | 4 | 1% | 1,504 | $5,877 | 4.9% |
| Humana | 1 | 0% | 9 | – | – |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 683 | 457 | 213 | 31% |
| 2021 | 675 | 449 | 217 | 32% |
| 2022 | 717 | 474 | 227 | 32% |
| 2023 | 745 | 465 | 261 | 35% |
| 2024 | 770 | 478 | 270 | 35% |
| 2025 (partial) | 638 | 384 | 239 | 37% |
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.