Employer health plans · Virginia
Employer health plans in Virginia
How Virginia employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Virginia at a glance
Employer plan filings, 2024
Large employer health plans
1,908
form year 2024
Fully insured
1,209
63% of large plans
Self-funded
662
20% with stop-loss
Small plans
147
fewer details reported
Median premium per person covered
$6,940
insured contracts, all carriers
Insurance carriers for Virginia employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Cigna | 380 | 31% | 267,871 | $7,544 | 5.0% |
| Anthem (Elevance Health) | 282 | 23% | 107,781 | $6,999 | 2.8% |
| UnitedHealthcare | 212 | 18% | 79,602 | $5,957 | 4.2% |
| Blue Cross Blue Shield | 177 | 15% | 39,547 | $7,133 | 4.9% |
| Kaiser Permanente | 157 | 13% | 57,695 | $7,961 | 3.6% |
| Aetna | 103 | 9% | 86,237 | $5,386 | 3.2% |
| Humana | 4 | 0% | 670 | $1,538 | 3.1% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,847 | 1,227 | 574 | 31% |
| 2021 | 1,826 | 1,218 | 577 | 32% |
| 2022 | 1,891 | 1,202 | 658 | 35% |
| 2023 | 1,960 | 1,261 | 666 | 34% |
| 2024 | 1,908 | 1,209 | 662 | 35% |
| 2025 (partial) | 1,283 | 738 | 519 | 40% |
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.