Employer health plans · Wisconsin
Employer health plans in Wisconsin
How Wisconsin employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Wisconsin at a glance
Employer plan filings, 2024
Large employer health plans
1,617
form year 2024
Fully insured
743
46% of large plans
Self-funded
842
17% with stop-loss
Small plans
18
fewer details reported
Median premium per person covered
$6,598
insured contracts, all carriers
Insurance carriers for Wisconsin employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| UnitedHealthcare | 234 | 31% | 87,070 | $6,123 | 3.1% |
| Blue Cross Blue Shield | 131 | 18% | 82,246 | $6,698 | 3.0% |
| Anthem (Elevance Health) | 69 | 9% | 22,194 | $7,802 | 2.5% |
| Kaiser Permanente | 34 | 5% | 8,838 | $7,767 | 3.7% |
| Cigna | 24 | 3% | 10,743 | $6,510 | 7.3% |
| Aetna | 10 | 1% | 3,532 | $3,144 | 5.7% |
| Humana | 6 | 1% | 2,951 | $2,383 | 4.2% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 1,535 | 778 | 721 | 47% |
| 2021 | 1,510 | 774 | 705 | 47% |
| 2022 | 1,557 | 800 | 731 | 47% |
| 2023 | 1,620 | 824 | 760 | 47% |
| 2024 | 1,617 | 743 | 842 | 52% |
| 2025 (partial) | 1,287 | 557 | 705 | 55% |
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.