UnitedHealthcare employer health plans in New Jersey
Who UnitedHealthcare insures among New Jersey 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 New Jersey at a glance
What the data shows
UnitedHealthcare insures 181 employer health plans in New Jersey (17% of 1,074 insured large plans), 3rd of 8 carrier groups; Cigna (389), Blue Cross Blue Shield (292) hold more.
UnitedHealthcare has shrunk 10% in New Jersey since 2020, from 201 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (111 plans); 18 cover 1,000 or more.
Median premium per person covered was $7,187, 10% below the New Jersey all-carrier median of $7,958. Benefit design and group mix differ, so this is not a price comparison.
86% of these plans reported broker or agent pay on their UnitedHealthcare contracts; where paid, the median was 4.8% of premium (middle half 3.4%–6.0%).
In UnitedHealthcare Choice, 34 of the 50 Employer 50 services have a New Jersey benchmark, at a median of 154% of Medicare across those services.
At New Jersey hospitals, UnitedHealthcare's commercial rates run higher than other carriers' at the same hospital for 7 of 17 services; a hip or knee replacement stay has a median rate of $32,768 across 32 hospitals.
UnitedHealthcare plans in New Jersey, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 201 | 185,067 | 18% | $6,491 |
| 2021 | 201 | 202,998 | 19% | $6,488 |
| 2022 | 195 | 190,343 | 18% | $6,908 |
| 2023 | 186 | 149,466 | 17% | $7,051 |
| 2024 | 181 | 149,440 | 17% | $7,187 |
| 2025 (partial) | 121 | 141,742 | 16% | $7,361 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 34 | 19% |
| 100–499 | 111 | 61% |
| 500–999 | 18 | 10% |
| 1,000–4,999 | 16 | 9% |
| 5,000 or more | 2 | 1% |
Premiums and broker pay
| Measure | UnitedHealthcare | All carriers, New Jersey |
|---|---|---|
| Median premium per person covered | $7,187 | $7,958 |
| Premium per person, middle half | $5,570–$10,214 | $3,994–$12,173 |
| Plans reporting broker or agent pay | 86% | 73% |
| Median broker pay, % of premium | 4.8% | 4.7% |
| Broker pay, middle half | 3.4%–6.0% | 3.0%–6.3% |
| Median broker pay per person covered | $369 | $365 |
Industries
UnitedHealthcare's New Jersey employer clients are concentrated in professional and technical services (37 plans) and manufacturing (37), followed by health care and social assistance (20).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 37 | 20% |
| Manufacturing | 37 | 20% |
| Health care and social assistance | 20 | 11% |
| Information | 14 | 8% |
| Wholesale trade | 13 | 7% |
| Finance and insurance | 10 | 6% |
UnitedHealthcare employer clients in New Jersey
173 employers in New Jersey have a UnitedHealthcare major-medical contract, 18 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 New Jersey →
What the UnitedHealthcare network pays physicians in New Jersey
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $331 | $330–$429 | 115% | $376 | 15 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $90 | $72–$151 | 134% | $81 | 75 |
| Electrocardiogram (EKG), complete | 93000 | $21 | $20–$33 | 140% | $23 | 49 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $93 | $74–$145 | 125% | $82 | 75 |
| Treadmill stress test, complete | 93015 | $103 | $84–$137 | 140% | $108 | 47 |
| Skin biopsy, single lesion (tangential) | 11102 | $76 | $56–$135 | 80% | $157 | 78 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $463 | $274–$469 | 281% | $445 | 26 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $140 | $79–$207 | 127% | $328 | 38 |
| Cataract removal with lens implant | 66984 | $527 | $384–$673 | 114% | $572 | 97 |
| Abdominal ultrasound, complete | 76700 | $186 | $125–$245 | 163% | $152 | 97 |
| Bone density scan (DXA), axial | 77080 | $74 | $52–$93 | 187% | $78 | 95 |
| CT abdomen and pelvis with contrast | 74177 | $496 | $342–$641 | 165% | $427 | 96 |
| CT chest without contrast | 71250 | $270 | $204–$319 | 203% | $260 | 98 |
| Chest X-ray, 2 views | 71046 | $50 | $33–$62 | 150% | $38 | 96 |
| MRI brain without and with contrast | 70553 | $637 | $422–$879 | 201% | $558 | 93 |
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 New Jersey
UnitedHealthcare commercial rates are on record at 46 New Jersey 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 7 of 17 services and lower for 8. For Hip or knee replacement (hospital stay), the rate runs from $27,971 to $61,609 across 32 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) | 32 | $32,768 | $27,971–$61,609 | Lower | $4,122 |
| C-section delivery (hospital stay) | 35 | Locked | Locked | About the same | Locked |
| Vaginal delivery (hospital stay) | 34 | Locked | Locked | About the same | Locked |
| MRI, lower back | 23 | $313 | $313–$524 | Lower | $594 |
| MRI, knee | 24 | Locked | Locked | Lower | Locked |
| CT, head | 25 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 23 | Locked | Locked | Lower | Locked |
| Screening mammogram | 23 | Locked | Locked | Lower | Locked |
| Colonoscopy, diagnostic | 24 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 21 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 20 | Locked | Locked | Higher | Locked |
| Cataract surgery | 19 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 21 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 16 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 25 | $1,789 | $1,218–$2,478 | Higher | $668 |
| Comprehensive metabolic panel | 24 | Locked | Locked | Lower | Locked |
| Complete blood count | 10 | 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 |
|---|---|---|---|---|---|---|
| Clara Maass Medical Center | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Community Medical Center | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Cooperman Barnabas Medical Center | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Jefferson Washington Township Hospital | $18,327 | Locked | Locked | Locked | Locked | Locked |
| Jersey City Medical Center | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Monmouth Medical Center | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Monmouth Medical Center Southern Campus | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Newark Beth Israel Medical Center | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Robert Wood Johnson University Hospital | $32,300 | Locked | Locked | Locked | Locked | Locked |
| Saint Josephs University Medical Center | $54,904 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 45%, fee schedules 46%, per diem 0%, percent of billed charges 1%, other 8% of UnitedHealthcare's published commercial rates for these services in New Jersey.
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 New Jersey
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 389 | 36% | $5,225 | 6.1% |
| Blue Cross Blue Shield | 292 | 27% | $12,018 | 4.4% |
| UnitedHealthcare | 181 | 17% | $7,187 | 4.8% |
| Aetna | 158 | 15% | $6,883 | 3.3% |
| Other insurers (regional and local plans) | 135 | 13% | $6,086 | 5.9% |
| Kaiser Permanente | 129 | 12% | $8,788 | 3.7% |
| Anthem (Elevance Health) | 16 | 1% | $7,626 | 3.2% |
| Humana | 7 | 1% | $2,415 | 2.2% |
UnitedHealthcare in other states
FAQ
How many New Jersey employers have UnitedHealthcare health insurance?
181 employer health plans in New Jersey reported a UnitedHealthcare major-medical contract in their 2024 filings, covering 149,440 persons. Self-funded plans that UnitedHealthcare only administers are not counted.
What is UnitedHealthcare's share of the New Jersey insured employer market?
17% of insured large employer health plans, 3rd of 8 carrier groups by plan count.
How much do brokers earn on UnitedHealthcare plans in New Jersey?
Where broker or agent pay was reported, the median was 4.8% of premium (4.7% across all carriers in New Jersey).
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 181 New Jersey 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: 170 contracts with 20+ persons covered and a reported premium; broker percentages use the 156 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 New Jersey hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.