UnitedHealthcare employer health plans in Missouri
Who UnitedHealthcare insures among Missouri 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 Missouri at a glance
What the data shows
UnitedHealthcare is the largest insurer of employer health plans in Missouri: 157 plans held a UnitedHealthcare major-medical contract in form year 2024, 25% of the state's 626 insured large plans, ahead of Blue Cross Blue Shield with 145.
UnitedHealthcare has shrunk 8% in Missouri since 2020, from 170 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (90 plans); 19 cover 1,000 or more.
Median premium per person covered was $5,574, 12% below the Missouri all-carrier median of $6,325. Benefit design and group mix differ, so this is not a price comparison.
87% of these plans reported broker or agent pay on their UnitedHealthcare contracts; where paid, the median was 3.9% of premium (middle half 2.8%–5.1%).
In UnitedHealthcare Choice, 34 of the 50 Employer 50 services have a Missouri benchmark, at a median of 143% of Medicare across those services.
At Missouri hospitals, UnitedHealthcare's commercial rates run higher than other carriers' at the same hospital for 9 of 17 services; a hip or knee replacement stay has a median rate of $15,646 across 11 hospitals.
UnitedHealthcare plans in Missouri, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 170 | 69,933 | 23% | $5,242 |
| 2021 | 179 | 116,099 | 25% | $4,769 |
| 2022 | 171 | 122,709 | 25% | $4,886 |
| 2023 | 173 | 132,929 | 25% | $5,139 |
| 2024 | 157 | 136,648 | 25% | $5,574 |
| 2025 (partial) | 118 | 119,516 | 24% | $4,847 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 20 | 13% |
| 100–499 | 90 | 57% |
| 500–999 | 27 | 17% |
| 1,000–4,999 | 16 | 10% |
| 5,000 or more | 3 | 2% |
Premiums and broker pay
| Measure | UnitedHealthcare | All carriers, Missouri |
|---|---|---|
| Median premium per person covered | $5,574 | $6,325 |
| Premium per person, middle half | $3,791–$6,855 | $4,007–$8,590 |
| Plans reporting broker or agent pay | 87% | 78% |
| Median broker pay, % of premium | 3.9% | 4.0% |
| Broker pay, middle half | 2.8%–5.1% | 2.8%–5.8% |
| Median broker pay per person covered | $193 | $234 |
Industries
UnitedHealthcare's Missouri employer clients are concentrated in manufacturing (24 plans) and health care and social assistance (23), followed by finance and insurance (19).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 24 | 15% |
| Health care and social assistance | 23 | 15% |
| Finance and insurance | 19 | 12% |
| Construction | 15 | 10% |
| Retail trade | 13 | 8% |
| Wholesale trade | 11 | 7% |
UnitedHealthcare employer clients in Missouri
151 employers in Missouri have a UnitedHealthcare major-medical contract, 19 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 Missouri →
What the UnitedHealthcare network pays physicians in Missouri
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $693 | $538–$808 | 241% | $408 | 23 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $121 | $103–$174 | 180% | $92 | 86 |
| Electrocardiogram (EKG), complete | 93000 | $27 | $19–$35 | 173% | $21 | 56 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $109 | $90–$145 | 146% | $92 | 86 |
| Treadmill stress test, complete | 93015 | $140 | $98–$158 | 190% | $100 | 48 |
| Skin biopsy, single lesion (tangential) | 11102 | $102 | $92–$129 | 107% | – | 71 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $385 | $273–$448 | 234% | – | 37 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43239 | $287 | $247–$374 | 232% | – | 27 |
| Cataract removal with lens implant | 66984 | $718 | $655–$900 | 155% | $615 | 88 |
| Abdominal ultrasound, complete | 76700 | $161 | $130–$220 | 141% | $153 | 118 |
| Bone density scan (DXA), axial | 77080 | $60 | $43–$80 | 152% | $56 | 115 |
| CT abdomen and pelvis with contrast | 74177 | $121 | $99–$174 | 144% | $112 | 117 |
| CT chest without contrast | 71250 | $229 | $178–$313 | 173% | $211 | 118 |
| Chest X-ray, 2 views | 71046 | $42 | $33–$57 | 128% | $40 | 118 |
| MRI brain without and with contrast | 70553 | $565 | $412–$879 | 178% | $531 | 118 |
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 Missouri
UnitedHealthcare commercial rates are on record at 31 Missouri 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 9 of 17 services and lower for 5. For Emergency visit, level 4, the rate runs from $115 to $2,764 across 18 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) | 11 | $15,646 | $11,434–$23,691 | Lower | – |
| C-section delivery (hospital stay) | 12 | Locked | Locked | Lower | Locked |
| Vaginal delivery (hospital stay) | 11 | Locked | Locked | About the same | Locked |
| MRI, lower back | 11 | $518 | $139–$1,165 | Higher | $4,031 |
| MRI, knee | 11 | Locked | Locked | Higher | Locked |
| CT, head | 11 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 11 | Locked | Locked | Higher | Locked |
| Screening mammogram | 11 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 21 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 20 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 12 | Locked | Locked | About the same | Locked |
| Cataract surgery | 11 | Locked | Locked | About the same | Locked |
| Gallbladder removal, laparoscopic | 12 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 12 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 18 | $1,727 | $115–$2,764 | Lower | $2,251 |
| Comprehensive metabolic panel | 21 | Locked | Locked | Lower | Locked |
| Complete blood count | 22 | Locked | Locked | Lower | Locked |
Hospitals with the most published UnitedHealthcare rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Belton Regional Medical Center | $15,646 | Locked | Locked | Locked | Locked | Locked |
| Cass Regional Medical Center | $41,606 | Locked | Locked | Locked | Locked | Locked |
| Centerpoint Medical Center | $14,699 | Locked | Locked | Locked | Locked | Locked |
| Lafayette Regional Health Center | $11,434 | Locked | Locked | Locked | Locked | Locked |
| Lake Regional Health System | $17,850 | Locked | Locked | Locked | Locked | Locked |
| Lee's Summit Medical Center | $14,754 | Locked | Locked | Locked | Locked | Locked |
| Mosaic Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| Mosaic Medical Center - St. Joseph | – | Locked | Locked | Locked | Locked | Locked |
| Research Medical Center | $18,581 | Locked | Locked | Locked | Locked | Locked |
| Ssm Health St. Mary's Hospital - Jefferson City | $21,781 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 17%, fee schedules 31%, per diem 8%, percent of billed charges 42%, other 2% of UnitedHealthcare's published commercial rates for these services in Missouri.
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 Missouri
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| UnitedHealthcare | 157 | 25% | $5,574 | 3.9% |
| Blue Cross Blue Shield | 145 | 23% | $7,522 | 4.0% |
| Cigna | 121 | 19% | $5,157 | 5.0% |
| Anthem (Elevance Health) | 109 | 17% | $6,692 | 3.2% |
| Other insurers (regional and local plans) | 72 | 12% | $5,490 | 9.4% |
| Aetna | 39 | 6% | $6,079 | 4.1% |
| Kaiser Permanente | 39 | 6% | $9,730 | 3.5% |
| Humana | 18 | 3% | $2,806 | 7.3% |
UnitedHealthcare in other states
FAQ
How many Missouri employers have UnitedHealthcare health insurance?
157 employer health plans in Missouri reported a UnitedHealthcare major-medical contract in their 2024 filings, covering 136,648 persons. Self-funded plans that UnitedHealthcare only administers are not counted.
What is UnitedHealthcare's share of the Missouri insured employer market?
25% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on UnitedHealthcare plans in Missouri?
Where broker or agent pay was reported, the median was 3.9% of premium (4.0% across all carriers in Missouri).
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 157 Missouri 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: 149 contracts with 20+ persons covered and a reported premium; broker percentages use the 136 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 Missouri hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.