Employer health plans · Vermont
Employer health plans in Vermont
How Vermont employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Vermont at a glance
Employer plan filings, 2024
Large employer health plans
199
form year 2024
Fully insured
77
39% of large plans
Self-funded
120
8% with stop-loss
Small plans
2
fewer details reported
Median premium per person covered
$6,715
insured contracts, all carriers
Insurance carriers for Vermont 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 | 33 | 43% | 11,080 | $7,876 | 1.6% |
| Cigna | 32 | 42% | 11,654 | $3,988 | 5.0% |
| Anthem (Elevance Health) | 2 | 3% | 785 | $3,659 | 2.1% |
| UnitedHealthcare | 1 | 1% | 544 | $5,264 | 3.1% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 214 | 84 | 127 | 59% |
| 2021 | 169 | 71 | 98 | 58% |
| 2022 | 177 | 80 | 95 | 54% |
| 2023 | 173 | 69 | 100 | 58% |
| 2024 | 199 | 77 | 120 | 60% |
| 2025 (partial) | 147 | 46 | 98 | 67% |
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.