UnitedHealthcare employer health plans in Minnesota
Who UnitedHealthcare insures among Minnesota employers and what those plans pay in premium and broker compensation, and what the UnitedHealthcare network pays physicians and hospitals.
UnitedHealthcare employer health plans in Minnesota at a glance
What the data shows
UnitedHealthcare insures 106 employer health plans in Minnesota (14% of 768 insured large plans), 3rd of 8 carrier groups; Blue Cross Blue Shield (215) hold more.
UnitedHealthcare has grown 141% in Minnesota since 2020, from 44 plans.
Most of these plans cover 100–499 people (65 plans); 20 cover 1,000 or more.
Median premium per person covered was $5,490, 21% below the Minnesota all-carrier median of $6,946. Benefit design and group mix differ, so this is not a price comparison.
79% of these plans reported broker or agent pay on their UnitedHealthcare contracts; where paid, the median was 3.6% of premium (middle half 2.4%–4.5%).
In UnitedHealthcare Choice, 34 of the 50 Employer 50 services have a Minnesota benchmark, at a median of 198% of Medicare across those services.
At Minnesota hospitals, UnitedHealthcare's commercial rates run higher than other carriers' at the same hospital for 6 of 14 services; a hip or knee replacement stay has a median rate of $30,694 across 13 hospitals.
UnitedHealthcare plans in Minnesota, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 44 | 41,349 | 6% | $5,367 |
| 2021 | 75 | 56,133 | 10% | $4,829 |
| 2022 | 83 | 59,990 | 11% | $5,404 |
| 2023 | 111 | 71,564 | 14% | $5,411 |
| 2024 | 106 | 265,209 | 14% | $5,490 |
| 2025 (partial) | 80 | 243,446 | 12% | $5,866 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 11 | 10% |
| 100–499 | 65 | 61% |
| 500–999 | 9 | 8% |
| 1,000–4,999 | 17 | 16% |
| 5,000 or more | 3 | 3% |
Premiums and broker pay
| Measure | UnitedHealthcare | All carriers, Minnesota |
|---|---|---|
| Median premium per person covered | $5,490 | $6,946 |
| Premium per person, middle half | $3,738–$7,418 | $5,192–$8,863 |
| Plans reporting broker or agent pay | 79% | 84% |
| Median broker pay, % of premium | 3.6% | 3.1% |
| Broker pay, middle half | 2.4%–4.5% | 2.1%–4.3% |
| Median broker pay per person covered | $214 | $212 |
Industries
UnitedHealthcare's Minnesota employer clients are concentrated in manufacturing (22 plans) and retail trade (14), followed by construction (11).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 22 | 21% |
| Retail trade | 14 | 13% |
| Construction | 11 | 10% |
| Professional and technical services | 11 | 10% |
| Health care and social assistance | 10 | 9% |
| Other services | 7 | 7% |
UnitedHealthcare employer clients in Minnesota
103 employers in Minnesota have a UnitedHealthcare major-medical contract, 20 of them covering 1,000 or more people. For each one Medlyze has the plan year, the broker on each contract and what that broker was paid, and compiles the list for a state, an industry or a single employer on request.
| Employer | Persons covered | Plan year ends | Broker | Broker pay, % of premium |
|---|---|---|---|---|
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
Brokers: request the UnitedHealthcare Prospect List for Minnesota →
What the UnitedHealthcare network pays physicians in Minnesota
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $636 | $537–$966 | 221% | $468 | 18 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $226 | $122–$235 | 335% | $110 | 52 |
| Electrocardiogram (EKG), complete | 93000 | $41 | $32–$64 | 265% | $24 | 29 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $215 | $140–$253 | 288% | $115 | 52 |
| Treadmill stress test, complete | 93015 | $177 | $147–$226 | 240% | $116 | 38 |
| Skin biopsy, single lesion (tangential) | 11102 | $203 | $152–$345 | 213% | – | 52 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $750 | $394–$898 | 456% | – | 18 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $450 | $268–$498 | 407% | – | 14 |
| Cataract removal with lens implant | 66984 | $1,043 | $814–$1,632 | 225% | $686 | 52 |
| Abdominal ultrasound, complete | 76700 | $183 | $130–$256 | 160% | $150 | 240 |
| Bone density scan (DXA), axial | 77080 | $69 | $44–$98 | 175% | $55 | 239 |
| CT abdomen and pelvis with contrast | 74177 | $137 | $96–$189 | 163% | $105 | 237 |
| CT chest without contrast | 71250 | $268 | $177–$371 | 202% | $206 | 240 |
| Chest X-ray, 2 views | 71046 | $47 | $33–$65 | 142% | $40 | 238 |
| MRI brain without and with contrast | 70553 | $637 | $410–$945 | 201% | $510 | 240 |
Professional fee only: facility, implant and anesthesia charges are not included. Limited: rates come from a sample of providers, and groups are counted only in specialties that perform the service.
What the UnitedHealthcare network pays hospitals in Minnesota
UnitedHealthcare commercial rates are on record at 47 Minnesota hospitals (the hospitals covered so far, not every hospital). Compared at the same hospitals, UnitedHealthcare's rate is higher than the other carriers' median for 6 of 14 services and lower for 7. For MRI, lower back, the rate runs from $290 to $2,742 across 15 hospitals.
This page shows 3 of the 17 services in full. The other rates, the size of each gap and every hospital's prices are in the Plan Cost Benchmark.
| Service | Hospitals | Median rate | Range (P10–P90) | vs other carriers, same hospitals | Cash price, median |
|---|---|---|---|---|---|
| Hip or knee replacement (hospital stay) | 13 | $30,694 | $28,067–$34,442 | – | – |
| C-section delivery (hospital stay) | 12 | Locked | Locked | – | Locked |
| Vaginal delivery (hospital stay) | 12 | Locked | Locked | – | Locked |
| MRI, lower back | 15 | $505 | $290–$2,742 | Higher | $805 |
| MRI, knee | 11 | Locked | Locked | Higher | Locked |
| CT, head | 15 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 15 | Locked | Locked | Higher | Locked |
| Screening mammogram | 16 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 15 | Locked | Locked | Lower | Locked |
| Upper GI endoscopy with biopsy | 15 | Locked | Locked | About the same | Locked |
| Knee arthroscopy | 14 | Locked | Locked | Lower | Locked |
| Cataract surgery | 11 | Locked | Locked | Lower | Locked |
| Gallbladder removal, laparoscopic | 16 | Locked | Locked | Lower | Locked |
| Knee replacement, outpatient | 14 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 16 | $550 | $217–$1,460 | Higher | $498 |
| Comprehensive metabolic panel | 16 | Locked | Locked | Lower | Locked |
| Complete blood count | 16 | Locked | Locked | Higher | Locked |
Hospitals with the most published UnitedHealthcare rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Grand Itasca Clinic And Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Lake Region Healthcare Fergus Falls Hospital | – | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview Lakes Medical Center - Wyoming | $30,694 | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview Northland Medical Center | $30,694 | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview Ridges Hospital | $30,694 | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview Southdale Hospital | $30,694 | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview St. John's Hospital | $30,694 | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview University Of Minnesota Masonic Children’s Hospital | $30,694 | Locked | Locked | Locked | Locked | Locked |
| M Health Fairview Woodwinds Hospital - Woodbury | $30,694 | Locked | Locked | Locked | Locked | Locked |
| Madison Healthcare | – | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 9%, fee schedules 37%, per diem 0%, percent of billed charges 18%, other 37% of UnitedHealthcare's published commercial rates for these services in Minnesota.
Employers: see all 17 services and every hospital near your people in a Plan Cost Benchmark →
Hospital facility rate only: physician, anesthesia and implant charges are separate. Rates are what hospitals publish, not claims paid, and are not weighted by use.
Carriers in Minnesota
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Other insurers (regional and local plans) | 417 | 54% | $7,269 | 3.0% |
| Blue Cross Blue Shield | 215 | 28% | $7,303 | 3.0% |
| UnitedHealthcare | 106 | 14% | $5,490 | 3.6% |
| Kaiser Permanente | 44 | 6% | $8,284 | 3.6% |
| Cigna | 27 | 4% | $2,041 | 8.9% |
| Aetna | 18 | 2% | $6,862 | 10.2% |
| Anthem (Elevance Health) | 4 | 1% | $7,374 | 0.1% |
| Humana | 2 | 0% | $716 | 4.4% |
UnitedHealthcare in other states
FAQ
How many Minnesota employers have UnitedHealthcare health insurance?
106 employer health plans in Minnesota reported a UnitedHealthcare major-medical contract in their 2024 filings, covering 265,209 persons. Self-funded plans that UnitedHealthcare only administers are not counted.
What is UnitedHealthcare's share of the Minnesota insured employer market?
14% of insured large employer health plans, 3rd of 8 carrier groups by plan count.
How much do brokers earn on UnitedHealthcare plans in Minnesota?
Where broker or agent pay was reported, the median was 3.6% of premium (3.1% across all carriers in Minnesota).
Can I see the figures for a specific employer?
Yes. Brokers can request an Employer Account Brief on one employer, or a Prospect List for this market. Employers can request a Plan Cost Benchmark for their own plan. Use the request form on this page.
About these numbers
- Plans counted: the 106 Minnesota employer health plans with a UnitedHealthcare major-medical contract in their 2024 filings. Self-funded plans that UnitedHealthcare only administers are not counted here.
- Premium and broker figures: 100 contracts with 20+ persons covered and a reported premium; broker percentages use the 84 contracts that reported broker or agent pay.
- Network rates: UnitedHealthcare Choice, professional fees only, from a sample of providers.
- Hospital prices: UnitedHealthcare commercial rates at Minnesota hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.