UnitedHealthcare employer health plans in New York
Who UnitedHealthcare insures among New York 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 York at a glance
What the data shows
UnitedHealthcare insures 532 employer health plans in New York (19% of 2,760 insured large plans), 3rd of 8 carrier groups; Cigna (799), Blue Cross Blue Shield (603) hold more.
UnitedHealthcare has shrunk 6% in New York since 2020, from 568 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (329 plans); 46 cover 1,000 or more.
Median premium per person covered was $9,011, 1% below the New York all-carrier median of $9,072. 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 4.3% of premium (middle half 3.5%–5.2%).
In UnitedHealthcare Choice, 34 of the 50 Employer 50 services have a New York benchmark, at a median of 156% of Medicare across those services.
At New York hospitals, UnitedHealthcare's commercial rates run higher than other carriers' at the same hospital for 8 of 17 services; a hip or knee replacement stay has a median rate of $34,798 across 37 hospitals.
UnitedHealthcare plans in New York, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 568 | 265,594 | 20% | $8,022 |
| 2021 | 510 | 264,543 | 19% | $7,882 |
| 2022 | 539 | 277,386 | 19% | $8,068 |
| 2023 | 569 | 640,749 | 20% | $8,497 |
| 2024 | 532 | 352,317 | 19% | $9,011 |
| 2025 (partial) | 344 | 296,510 | 17% | $10,401 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 70 | 13% |
| 100–499 | 329 | 62% |
| 500–999 | 83 | 16% |
| 1,000–4,999 | 41 | 8% |
| 5,000 or more | 5 | 1% |
Premiums and broker pay
| Measure | UnitedHealthcare | All carriers, New York |
|---|---|---|
| Median premium per person covered | $9,011 | $9,072 |
| Premium per person, middle half | $6,543–$12,022 | $5,677–$12,803 |
| Plans reporting broker or agent pay | 86% | 79% |
| Median broker pay, % of premium | 4.3% | 4.1% |
| Broker pay, middle half | 3.5%–5.2% | 3.0%–5.4% |
| Median broker pay per person covered | $379 | $371 |
Industries
UnitedHealthcare's New York employer clients are concentrated in professional and technical services (93 plans) and health care and social assistance (66), followed by educational services (60).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 93 | 17% |
| Health care and social assistance | 66 | 12% |
| Educational services | 60 | 11% |
| Finance and insurance | 60 | 11% |
| Manufacturing | 43 | 8% |
| Wholesale trade | 33 | 6% |
UnitedHealthcare employer clients in New York
496 employers in New York have a UnitedHealthcare major-medical contract, 46 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 York →
What the UnitedHealthcare network pays physicians in New York
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $385 | $363–$605 | 134% | $395 | 29 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $296 | $245–$478 | 150% | $232 | 130 |
| Electrocardiogram (EKG), complete | 93000 | $22 | $18–$33 | 143% | $17 | 84 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $584 | $424–$886 | 137% | $431 | 129 |
| Treadmill stress test, complete | 93015 | $110 | $84–$165 | 149% | $79 | 91 |
| Skin biopsy, single lesion (tangential) | 11102 | $133 | $88–$165 | 139% | $91 | 96 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45380 | $303 | $229–$606 | 170% | $744 | 35 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $174 | $129–$256 | 157% | $558 | 37 |
| Cataract removal with lens implant | 66984 | $576 | $543–$762 | 125% | $686 | 114 |
| Abdominal ultrasound, complete | 76700 | $186 | $133–$281 | 163% | $120 | 120 |
| Bone density scan (DXA), axial | 77080 | $68 | $49–$106 | 174% | $51 | 119 |
| CT abdomen and pelvis with contrast | 74177 | $496 | $353–$789 | 165% | $391 | 117 |
| CT chest without contrast | 71250 | $269 | $194–$374 | 203% | $191 | 119 |
| Chest X-ray, 2 views | 71046 | $49 | $35–$75 | 149% | $34 | 119 |
| MRI brain without and with contrast | 70553 | $707 | $442–$1,004 | 223% | $443 | 117 |
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 York
UnitedHealthcare commercial rates are on record at 55 New York 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 8 of 17 services and lower for 4. For Emergency visit, level 4, the rate runs from $116 to $2,875 across 26 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) | 37 | $34,798 | $17,767–$64,622 | Higher | $21,910 |
| C-section delivery (hospital stay) | 39 | Locked | Locked | About the same | Locked |
| Vaginal delivery (hospital stay) | 37 | Locked | Locked | Higher | Locked |
| MRI, lower back | 25 | $520 | $161–$967 | About the same | $1,697 |
| MRI, knee | 27 | Locked | Locked | About the same | Locked |
| CT, head | 26 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 27 | Locked | Locked | About the same | Locked |
| Screening mammogram | 26 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 30 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 31 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 29 | Locked | Locked | About the same | Locked |
| Cataract surgery | 27 | Locked | Locked | Lower | Locked |
| Gallbladder removal, laparoscopic | 29 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 28 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 26 | $346 | $116–$2,875 | Higher | $499 |
| Comprehensive metabolic panel | 29 | Locked | Locked | Lower | Locked |
| Complete blood count | 29 | 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 |
|---|---|---|---|---|---|---|
| Catholic Health St. Catherine Of Siena Hospital | $35,711 | Locked | Locked | Locked | Locked | Locked |
| Catholic Health St. Charles Hospital | $37,142 | Locked | Locked | Locked | Locked | Locked |
| Catholic Health St. Francis Hospital & Heart Center | $49,553 | Locked | Locked | Locked | Locked | Locked |
| Catholic Health St. Joseph Hospital | $31,428 | Locked | Locked | Locked | Locked | Locked |
| Geneva General Hospital | $16,234 | Locked | Locked | Locked | Locked | Locked |
| Maimonides Medical Center | $50,763 | Locked | Locked | Locked | Locked | Locked |
| Monroe Community Hospital | $112,219 | Locked | Locked | Locked | Locked | Locked |
| Montefiore New Rochelle Hospital | $62,719 | Locked | Locked | Locked | Locked | Locked |
| Montefiore Wakefield Campus | $112,219 | Locked | Locked | Locked | Locked | Locked |
| Montefiore Westchester Square Campus | $112,219 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 33%, fee schedules 49%, per diem 2%, percent of billed charges 3%, other 12% of UnitedHealthcare's published commercial rates for these services in New York.
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 York
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 799 | 29% | $8,959 | 5.4% |
| Blue Cross Blue Shield | 603 | 22% | $10,634 | 3.7% |
| UnitedHealthcare | 532 | 19% | $9,011 | 4.3% |
| Other insurers (regional and local plans) | 530 | 19% | $8,835 | 3.8% |
| Aetna | 348 | 13% | $8,436 | 4.2% |
| Anthem (Elevance Health) | 270 | 10% | $8,845 | 4.0% |
| Kaiser Permanente | 244 | 9% | $9,169 | 4.2% |
| Humana | 10 | 0% | $3,012 | 3.5% |
UnitedHealthcare in other states
FAQ
How many New York employers have UnitedHealthcare health insurance?
532 employer health plans in New York reported a UnitedHealthcare major-medical contract in their 2024 filings, covering 352,317 persons. Self-funded plans that UnitedHealthcare only administers are not counted.
What is UnitedHealthcare's share of the New York insured employer market?
19% of insured large employer health plans, 3rd of 8 carrier groups by plan count.
How much do brokers earn on UnitedHealthcare plans in New York?
Where broker or agent pay was reported, the median was 4.3% of premium (4.1% across all carriers in New York).
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 532 New York 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: 499 contracts with 20+ persons covered and a reported premium; broker percentages use the 455 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 York hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.