New Haven, Connecticut employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
25 employers in New Haven, Connecticut filed health plans with 100 or more participants for plan year 2024, covering 59,725 participants. They reported $27M in insurance premiums and $5.8M in broker commissions and fees. Against 2023, premiums were up 13.4% and broker pay rose 94.5%.
Funding: 3 fully insured · 6 self-funded · 16 mixed. 22 of 25 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in New Haven
New Haven employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Yale University | $12,952,051 | $511,052 | 23,348 | Brown & Brown |
| Yale New Haven Health Services Corporation | $2,720,330 | $2,701,650 | 18,540 | Mercer |
| Apt Foundation Inc | $2,489,243 | $138,049 | 288 | USI Insurance Services |
| Achievement First, Inc. | $2,425,978 | $561,990 | 229 | MDG Associates of CT, LLC |
| CT Clinical Services, Inc. | $2,290,408 | $221,686 | 168 | Hilb Group of New England |
| Planned Parenthood of Southern New England, Inc. | $1,694,565 | $123,153 | 245 | Lindquist Insurance Associates Inc |
| Albertus Magnus College | $1,303,239 | $101,783 | 178 | AssuredPartners |
| Assa Abloy Inc. | $1,021,596 | $104,739 | 8,828 | Davevic Benefit Consultants |
| Withers Bergman LLP | $275,595 | $50,770 | 392 | E Paul Amata |
| Hopkins School | $192,797 | $53,896 | 178 | Willis Towers Watson |
| American Leak Detection, Inc. | $14,796 | $113,708 | 231 | Acrisure |
| Board of Trustees Local 443 Health Service & Insurance Plan | $0 | $1,960 | 2,783 | MPL LLC |
| Knights of Columbus Supreme Council | $0 | $178,829 | 1,232 | Mercer |
| XPT Group LLC | $0 | $252,935 | 698 | RSC Insurance Brokerage Inc |
| Arvinas, Inc. | $0 | $78,416 | 451 | Aon |
| Cornell Scott Hill Health Corporation | $0 | $186,743 | 391 | USI Insurance Services |
| Wiggin & Dana, LLP | $0 | $31,080 | 306 | Hilb Group of New England |
| Fair Haven Community Health Clinic, Inc. | $0 | $74,334 | 265 | OneDigital |
| Biohaven Pharmaceuticals Inc | $0 | $148,659 | 224 | Gis Benefits Inc |
| Study Hotels, LLC | $0 | $10,076 | 170 | Marsh McLennan Agency |
| Atticus Bakery, LLC | $0 | $9,617 | 136 | USI Insurance Services |
| Columbus House, Inc. | $0 | $8,956 | 123 | HP Planning, LLC |
| Cogstate Inc. | $0 | $17,835 | 117 | HP Planning LLC |
| The Childrens Center Community Programs, Inc. | $0 | $68,793 | 104 | The Maleri Group LLC |
| Veoci, Inc. | $0 | $68,118 | 100 | Hilb Group of New England |
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 New Haven employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $2,171,870 | 2 |
| Brown & Brown | $508,139 | 1 |
| Saul R Locker | $414,191 | 1 |
| USI Insurance Services | $342,785 | 4 |
| MDG Associates of CT, LLC | $334,570 | 1 |
| Aon | $258,276 | 3 |
| Hilb Group of New England | $229,813 | 3 |
| Lockton | $222,961 | 1 |
| RSC Insurance Brokerage, Inc. | $150,620 | 1 |
| Bswift | $103,468 | 1 |
Largest medical carriers
Medical premium written for these employers.
New Haven against Connecticut 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.
| New Haven | Connecticut | United States | |
|---|---|---|---|
| Employer plans | 25 | 722 | 58,547 |
| Median commission rate | n/a | 6.0% | 3.8% |
| Middle half of rates | n/a | 4.1% – 6.9% | 2.7% – 5.0% |
| Median broker pay per employer | $101,783 | $74,008 | $72,628 |
| Medical premium per covered person | n/a | $8,147 | $7,274 |
| Plans reporting no commission | 0 | 8 | 933 |
Year over year. In plan year 2023, 26 New Haven employers reported $24M in premiums and $3.0M in broker pay for 62,613 participants; in 2024 it was $27M and $5.8M for 59,725 participants (premiums +13.4%, broker pay +94.5%).
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 New Haven employers pay health insurance brokers?
25 New Haven employers reported $5,818,827 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in New Haven reported premium to compute a stable commission rate; the Connecticut median is 6.0% and the U.S. median is 3.8%. In dollars, the median New Haven employer that disclosed broker pay reported $101,783.
Which New Haven employers have the largest health plans?
By insurance premium reported for 2024, Yale University ($13M), Yale New Haven Health Services Corporation ($2.7M), Apt Foundation Inc ($2.5M) lead. 25 New Haven employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in New Haven?
By compensation reported by New Haven employers, the largest brokers are Mercer ($2.2M, 2 plans), Brown & Brown ($508,139, 1 plans), Saul R Locker ($414,191, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Connecticare, Inc., Aetna Life Insurance Company.
Are New Haven employer health plans self-funded or fully insured?
Of 25 New Haven employer plans, 3 are fully insured, 6 are self-funded and 16 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 Connecticut
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