Tucson, Arizona employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
107 employers in Tucson, Arizona filed health plans with 100 or more participants for plan year 2024, covering 49,721 participants. They reported $3.2M in insurance premiums and $8.9M in broker commissions and fees. Against 2023, premiums were down 26.4% and broker pay rose 12.3%.
Funding: 48 fully insured · 29 self-funded · 30 mixed. 59 of 107 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Tucson
Tucson employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| HSL Properties Financial Corporation | $1,333,876 | $124,445 | 282 | Gallagher |
| Car Wash Partners, Inc. | $439,001 | $89,616 | 4,127 | Mercer |
| Nova Financial Holding Company LLC | $409,671 | $17,766 | 368 | Marsh McLennan Agency |
| Truly Nolen of America, Inc. | $328,128 | — | 1,017 | — |
| Arizona Community Physicians, P.C. | $247,259 | $129,948 | 863 | CBIZ |
| Crest Insurance Group, LLC | $189,732 | $9,832 | 247 | Crest Insurance Group LLC |
| Davis Selected Advisers, L.P. | $135,330 | $18,703 | 289 | Benefit Commerce Group, LLC |
| Community Food Bank, Inc. | $94,640 | $124,274 | 144 | Crest Insurance Group, LLC |
| Tucson Federal Credit Union | $65,282 | $32,304 | 116 | Black Gould & Assoc |
| TMC Healthcare | $0 | $790,662 | 4,214 | Gallagher |
| The Sundt Companies, Inc. | $0 | $17,877 | 3,219 | Hay Companies |
| Watermark Retirement Communities, LLC | $0 | $196,402 | 2,767 | Willis Towers Watson |
| Tucson Electric Power Company | $0 | $84,382 | 2,026 | Marsh McLennan Agency |
| El Rio Santa Cruz Neighborhood Health Center, Inc. | $0 | $162,747 | 1,901 | Lovitt and Touche, Inc. |
| La Frontera Center, Inc. | $0 | $125,338 | 1,277 | CBIZ |
| Cyracom International, Inc. | $0 | $88,393 | 1,106 | Lovitt and Touche, Inc. |
| Gaming Enterprise Division of Pascua Yaqui Tribe | $0 | $71,723 | 929 | CBIZ |
| Leman Academy of Excellence | $0 | $134,091 | 926 | Marsh McLennan Agency |
| Vocational Training Institutes, Inc. | $0 | $53,438 | 813 | CBIZ |
| Academy of Mathematics & Science, Inc. | $0 | $106,700 | 774 | Black Gould and Associates, Inc. |
| BHP Minerals Service Company | $0 | $3,254 | 710 | Mercer |
| Intermountain Centers for Human Development | $0 | $68,124 | 705 | CBIZ |
| Autobrakes, Inc dba Brake Masters | $0 | $86,780 | 661 | Boon Chapman Benefit Administrators |
| Cope Community Services, Inc | $0 | $51,480 | 584 | CBIZ |
| Goodwill Industries of Southern Arizona Inc | $0 | $84,592 | 563 | Lovitt and Touche, Inc. |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Tucson employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| CBIZ | $1,484,901 | 29 |
| Gallagher | $1,477,750 | 6 |
| Marsh McLennan Agency | $812,671 | 27 |
| Crest Insurance Group LLC | $655,797 | 13 |
| Lovitt and Touche, Inc. | $501,169 | 19 |
| AssuredPartners | $400,113 | 5 |
| Black Gould & Associates | $372,486 | 9 |
| Willis Towers Watson | $342,765 | 3 |
| HUB International | $304,569 | 4 |
| Magnuson & Associates LTD | $262,608 | 1 |
Largest medical carriers
Medical premium written for these employers.
Tucson against Arizona and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Tucson | Arizona | United States | |
|---|---|---|---|
| Employer plans | 107 | 1,032 | 58,547 |
| Median commission rate | n/a | 7.5% | 3.8% |
| Middle half of rates | n/a | 5.1% – 8.0% | 2.7% – 5.0% |
| Median broker pay per employer | $64,213 | $70,061 | $72,628 |
| Medical premium per covered person | n/a | $5,476 | $7,274 |
| Plans reporting no commission | 0 | 5 | 933 |
Year over year. In plan year 2023, 108 Tucson employers reported $4.4M in premiums and $7.9M in broker pay for 49,851 participants; in 2024 it was $3.2M and $8.9M for 49,721 participants (premiums −26.4%, broker pay +12.3%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Tucson employers pay health insurance brokers?
107 Tucson employers reported $8,870,255 in broker commissions and fees on their 2024 Form 5500 filings, 106 of them disclosing at least some compensation. Too few fully insured medical plans in Tucson reported premium to compute a stable commission rate; the Arizona median is 7.5% and the U.S. median is 3.8%. In dollars, the median Tucson employer that disclosed broker pay reported $64,213.
Which Tucson employers have the largest health plans?
By insurance premium reported for 2024, HSL Properties Financial Corporation ($1.3M), Car Wash Partners, Inc. ($439,001), Nova Financial Holding Company LLC ($409,671) lead. 25 Tucson employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Tucson?
By compensation reported by Tucson employers, the largest brokers are CBIZ ($1.5M, 29 plans), Gallagher ($1.5M, 6 plans), Marsh McLennan Agency ($812,671, 27 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Banner Health and Aetna Health, Unitedhealthcare Insurance Company.
Are Tucson employer health plans self-funded or fully insured?
Of 107 Tucson employer plans, 48 are fully insured, 29 are self-funded and 30 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Arizona
Is your company on this page? Get its Form 5500 read next to the Tucson, Arizona medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.