Lincoln, Nebraska employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
94 employers in Lincoln, Nebraska filed health plans with 100 or more participants for plan year 2024, covering 64,167 participants. They reported $63M in insurance premiums and $11M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 5.0% of premium, against 4.2% across Nebraska and 3.8% nationally. Against 2023, premiums were up 6.1% and broker pay rose 17.1%.
Funding: 17 fully insured · 51 self-funded · 26 mixed. 77 of 94 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Lincoln
Lincoln employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Nma Employers Insurance Consortium | $19,124,902 | $1,055,036 | 1,071 | First Insurance Group LLC dba Fnic |
| Nsba Health Insurance Consortium | $10,809,114 | $727,647 | 815 | Oci Insurance & Financial Services |
| Farmers Mutual Insurance Company of Nebraska | $4,571,347 | $180,723 | 100 | HUB International |
| Nebraska New Car & Truck Dealers Association Group Health Plan Board | $3,426,095 | $259,234 | 375 | Oci Insurance & Financial Services |
| Nebraska Dental Association Health Insurance Alliance | $3,202,956 | $227,202 | 280 | Oci Insurance & Financial Services |
| Nebraska Wesleyan University | $3,184,500 | $54,203 | 375 | HUB International |
| Foundation for Educational Services, Inc. | $3,028,043 | $29,941 | 196 | Lockton |
| Nebraska Trucking Association Health Benefits Alliance | $2,844,846 | $300,436 | 218 | Nebraska Trucking Association |
| Nebraska Bankers Assn Voluntary Employees Beneficiary Association | $2,048,917 | $589,280 | 4,553 | Nebraska Bankers Ins & Services Co |
| Cherry Hill Company LLC | $1,298,823 | $77,452 | 211 | Unico Group, Inc. |
| Dana F. Cole & Company, LLP | $1,208,631 | $76,673 | 148 | Bettenhausen Insurance Services LLC |
| Tank Holding Corp. | $1,138,017 | $273,259 | 1,679 | Marsh McLennan Agency |
| Nebraska Children and Families Foundation | $1,103,452 | $59,695 | 100 | Gallagher |
| Ameritas Holding Company | $1,055,218 | $287,083 | 2,370 | HUB International |
| Union Bank and Trust Company | $1,051,864 | $8,485 | 711 | Novo Benefits |
| Cedars Youth Services | $1,034,732 | $67,190 | 108 | Oci Insurance & Financial SVCS |
| Branchpattern | $978,765 | $59,605 | 117 | Gallagher |
| Whitehead Oil Company | $946,418 | $68,029 | 365 | Gallagher |
| Akrs Equipment Solutions | $465,212 | $142,592 | 631 | Cottingham & Butler |
| Monolith Resources LLC | $201,490 | $61,320 | 249 | Acrisure |
| Spreetail, LLC | $177,680 | $14,017 | 569 | Acrisure |
| Nelnet, Inc. | $159,549 | $499,641 | 7,160 | HUB International |
| Agtac Services, LLC | $63,830 | $71,986 | 249 | Gallagher |
| Speedway Motors, Inc. | $1,143 | $113,951 | 553 | HUB International |
| Crete Carrier Corporation | $0 | $1,362,282 | 6,442 | HUB International |
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 Lincoln employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $2,565,041 | 21 |
| Oci Insurance & Financial Services | $1,295,919 | 12 |
| Gallagher | $784,508 | 18 |
| Unico Group Inc | $737,715 | 22 |
| Nebraska Bankers Ins & Services Co | $575,698 | 1 |
| Marsh McLennan Agency | $518,216 | 5 |
| Alkeme Insurance Services Inc | $414,218 | 1 |
| First Insurance Group LLC dba Fnic | $288,039 | 4 |
| Lockton | $281,446 | 6 |
| Alliant Insurance Services | $272,771 | 1 |
Largest medical carriers
Medical premium written for these employers.
Lincoln against Nebraska 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.
| Lincoln | Nebraska | United States | |
|---|---|---|---|
| Employer plans | 94 | 414 | 58,547 |
| Median commission rate | 5.0% (13 plans) | 4.2% | 3.8% |
| Middle half of rates | 4.3% – 6.7% | 2.2% – 5.5% | 2.7% – 5.0% |
| Median broker pay per employer | $59,039 | $56,795 | $72,628 |
| Medical premium per covered person | $9,394 | $8,240 | $7,274 |
| Plans reporting no commission | 1 | 7 | 933 |
Year over year. In plan year 2023, 96 Lincoln employers reported $59M in premiums and $9.1M in broker pay for 64,493 participants; in 2024 it was $63M and $11M for 64,167 participants (premiums +6.1%, broker pay +17.1%).
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 Lincoln employers pay health insurance brokers?
94 Lincoln employers reported $10,606,234 in broker commissions and fees on their 2024 Form 5500 filings, 86 of them disclosing at least some compensation. Among 13 commission-paying, fully insured medical plans, the median broker rate was 5.0% of premium, 0.8 points above the Nebraska median of 4.2% and 1.2 points above the U.S. median of 3.8%. In dollars, the median Lincoln employer that disclosed broker pay reported $59,039.
Which Lincoln employers have the largest health plans?
By insurance premium reported for 2024, Nma Employers Insurance Consortium ($19M), Nsba Health Insurance Consortium ($11M), Farmers Mutual Insurance Company of Nebraska ($4.6M) lead. 25 Lincoln employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Lincoln?
By compensation reported by Lincoln employers, the largest brokers are HUB International ($2.6M, 21 plans), Oci Insurance & Financial Services ($1.3M, 12 plans), Gallagher ($784,508, 18 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Nebraska, Granular Insurance Company, Triple S Salud, Inc..
Are Lincoln employer health plans self-funded or fully insured?
Of 94 Lincoln employer plans, 17 are fully insured, 51 are self-funded and 26 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 Nebraska
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