UnitedHealthcare employer health plans in Rhode Island
Who UnitedHealthcare insures among Rhode Island employers and what those plans pay in premium and broker compensation, and what the UnitedHealthcare network pays physicians.
UnitedHealthcare employer health plans in Rhode Island at a glance
What the data shows
UnitedHealthcare insures 25 employer health plans in Rhode Island (16% of 159 insured large plans), 2nd of 6 carrier groups; Blue Cross Blue Shield (115) hold more.
UnitedHealthcare has shrunk 29% in Rhode Island since 2020, from 35 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (14 plans); 1 cover 1,000 or more.
Median premium per person covered was $7,660, 6% above the Rhode Island all-carrier median of $7,209. Benefit design and group mix differ, so this is not a price comparison.
84% of these plans reported broker or agent pay on their UnitedHealthcare contracts; where paid, the median was 2.6% of premium (middle half 2.1%–3.1%).
In UnitedHealthcare Choice, 32 of the 50 Employer 50 services have a Rhode Island benchmark, at a median of 162% of Medicare across those services.
UnitedHealthcare plans in Rhode Island, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 35 | 9,769 | 21% | $5,705 |
| 2021 | 28 | 9,056 | 17% | $5,690 |
| 2022 | 28 | 6,489 | 16% | $5,809 |
| 2023 | 28 | 6,775 | 15% | $6,073 |
| 2024 | 25 | 7,533 | 16% | $7,660 |
| 2025 (partial) | 17 | 6,560 | 15% | $7,825 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 7 | 28% |
| 100–499 | 14 | 56% |
| 500–999 | 3 | 12% |
| 1,000–4,999 | 1 | 4% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | UnitedHealthcare | All carriers, Rhode Island |
|---|---|---|
| Median premium per person covered | $7,660 | $7,209 |
| Premium per person, middle half | $5,838–$11,184 | $5,844–$9,287 |
| Plans reporting broker or agent pay | 84% | 81% |
| Median broker pay, % of premium | 2.6% | 2.2% |
| Broker pay, middle half | 2.1%–3.1% | 1.4%–3.1% |
| Median broker pay per person covered | $178 | $153 |
Industries
UnitedHealthcare's Rhode Island employer clients are concentrated in manufacturing (10 plans) and health care and social assistance (3), followed by finance and insurance (2).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 10 | 40% |
| Health care and social assistance | 3 | 12% |
| Finance and insurance | 2 | 8% |
| Other services | 2 | 8% |
| Educational services | 2 | 8% |
| Administrative and support services | 1 | 4% |
UnitedHealthcare employer clients in Rhode Island
24 employers in Rhode Island have a UnitedHealthcare major-medical contract, 1 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 Rhode Island →
What the UnitedHealthcare network pays physicians in Rhode Island
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Echocardiogram, transthoracic complete with Doppler | 93306 | $128 | $92–$168 | 190% | $84 | 43 |
| Electrocardiogram (EKG), complete | 93000 | $30 | $19–$37 | 195% | $25 | 25 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $124 | $98–$180 | 167% | $82 | 43 |
| Treadmill stress test, complete | 93015 | $142 | $95–$173 | 194% | $117 | 30 |
| Skin biopsy, single lesion (tangential) | 11102 | $143 | $112–$185 | 150% | $104 | 29 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $152 | $144–$198 | 138% | $273 | 11 |
| Cataract removal with lens implant | 66984 | $722 | $722–$840 | 156% | $869 | 43 |
| Abdominal ultrasound, complete | 76700 | $184 | $153–$269 | 161% | $157 | 67 |
| Bone density scan (DXA), axial | 77080 | $72 | $56–$114 | 182% | $60 | 66 |
| CT abdomen and pelvis with contrast | 74177 | $515 | $416–$723 | 172% | $485 | 65 |
| CT chest without contrast | 71250 | $275 | $221–$404 | 208% | $270 | 66 |
| Chest X-ray, 2 views | 71046 | $49 | $42–$78 | 147% | $42 | 65 |
| MRI brain without and with contrast | 70553 | $743 | $513–$1,086 | 235% | $661 | 66 |
| MRI cervical spine without contrast | 72141 | $431 | $305–$594 | 226% | $463 | 66 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $423 | $323–$653 | 207% | $474 | 66 |
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.
Carriers in Rhode Island
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 115 | 72% | $7,313 | 1.8% |
| UnitedHealthcare | 25 | 16% | $7,660 | 2.6% |
| Other insurers (regional and local plans) | 24 | 15% | $6,202 | 4.2% |
| Kaiser Permanente | 10 | 6% | $5,790 | 2.7% |
| Cigna | 8 | 5% | $6,862 | 5.3% |
| Aetna | 7 | 4% | $2,352 | 0.7% |
UnitedHealthcare in other states
FAQ
How many Rhode Island employers have UnitedHealthcare health insurance?
25 employer health plans in Rhode Island reported a UnitedHealthcare major-medical contract in their 2024 filings, covering 7,533 persons. Self-funded plans that UnitedHealthcare only administers are not counted.
What is UnitedHealthcare's share of the Rhode Island insured employer market?
16% of insured large employer health plans, 2nd of 6 carrier groups by plan count.
How much do brokers earn on UnitedHealthcare plans in Rhode Island?
Where broker or agent pay was reported, the median was 2.6% of premium (2.2% across all carriers in Rhode Island).
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 25 Rhode Island 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: 24 contracts with 20+ persons covered and a reported premium; broker percentages use the 21 contracts that reported broker or agent pay.
- Network rates: UnitedHealthcare Choice, professional fees only, from a sample of providers.
- Full method and limits: how the employer health plan data is built.