Omaha, Nebraska employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
192 employers in Omaha, Nebraska filed health plans with 100 or more participants for plan year 2024, covering 215,449 participants. They reported $97M in insurance premiums and $20M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.8% of premium, against 4.2% across Nebraska and 3.8% nationally. Against 2023, premiums were up 6.6% and broker pay rose 7.7%.
Funding: 27 fully insured · 100 self-funded · 65 mixed. 165 of 192 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Omaha
Omaha employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| National Indemnity Company | $32,764,977 | $49,242 | 1,679 | Swartzbaugh-Farber & Associates Inc |
| Milan Laser Holdings LLC | $13,769,093 | $668,280 | 1,897 | HUB International |
| Mutual of Omaha Insurance Company | $6,216,509 | — | 5,896 | — |
| Pando, LLC | $5,849,473 | $317,514 | 248 | Holmes Murphy |
| Boundless Enterprises, LLC | $5,113,543 | $181,062 | 513 | Holmes Murphy |
| Banyan Medical Solutions, LLC | $5,086,022 | $1,047,325 | 274 | The Ark Group LLC |
| Centris Federal Credit Union | $3,570,201 | $32,774 | 222 | Lockton |
| Trustees of the Insulators & Allied Workers Health and Welfare Plan | $2,665,750 | $57,587 | 132 | First Insurance Group LLC |
| LGT Transport, LLC | $2,455,356 | $27,694 | 138 | Cottingham and Butler Insurance |
| Think Aksarben LLC | $2,432,638 | $49,079 | 274 | HUB International |
| MD West One, PC | $2,430,963 | $102,113 | 179 | HUB International |
| DRM, Inc. | $2,113,014 | $92,924 | 532 | Lockton |
| Omaha Track, Inc. | $2,084,328 | $36,045 | 210 | HUB International |
| Educare of Omaha, Inc. | $1,722,096 | $72,982 | 138 | — |
| Titan Medical Group, LLC | $1,334,991 | $130,163 | 673 | Lockton |
| Ag Processing Inc | $1,258,148 | $213,658 | 1,182 | Holmes Murphy |
| Risemark Holdings LLC | $1,151,305 | $58,961 | 123 | Swartzbaugh-Farber & Associates Inc |
| Hill Brothers Transportation, Inc. | $1,085,355 | $83,080 | 146 | Cottingham & Butler |
| HDR, Inc. & Its Subsidiaries & Affiliated Entities | $999,540 | $296,884 | 10,796 | HUB International |
| Getmed Staffing, Inc. | $995,439 | $79,296 | 100 | Bettenhausen Insurance Services LLC |
| Ubiquity Global Services US, Inc. | $665,754 | $38,965 | 117 | Emerson Rogers LLC |
| Omaha Truck Center, Inc. | $362,376 | $47,272 | 1,318 | Holmes Murphy |
| Graham Enterprises Inc. | $333,848 | $48,496 | 165 | Oci Insurance & Financial SVCS. Inc |
| Heartland Family Service | $175,488 | $118,536 | 323 | First Insurance Group LLC dba Fnic |
| Signal 88, LLC | $148,408 | $52,452 | 116 | Gallagher |
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 Omaha employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $3,315,548 | 53 |
| Lockton | $2,596,528 | 21 |
| Gallagher | $1,458,476 | 22 |
| USI Insurance Services | $1,403,581 | 14 |
| Marsh McLennan Agency | $1,374,384 | 9 |
| Willis Towers Watson | $1,232,387 | 3 |
| Ark Advisors Inc | $932,980 | 1 |
| Holmes Murphy | $902,471 | 11 |
| Keeler & Associates | $618,061 | 6 |
| First Insurance Group LLC | $613,890 | 10 |
Largest medical carriers
Medical premium written for these employers.
Omaha 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.
| Omaha | Nebraska | United States | |
|---|---|---|---|
| Employer plans | 192 | 414 | 58,547 |
| Median commission rate | 3.8% (16 plans) | 4.2% | 3.8% |
| Middle half of rates | 2.0% – 4.5% | 2.2% – 5.5% | 2.7% – 5.0% |
| Median broker pay per employer | $64,980 | $56,795 | $72,628 |
| Medical premium per covered person | $7,807 | $8,240 | $7,274 |
| Plans reporting no commission | 1 | 7 | 933 |
Year over year. In plan year 2023, 198 Omaha employers reported $91M in premiums and $19M in broker pay for 223,871 participants; in 2024 it was $97M and $20M for 215,449 participants (premiums +6.6%, broker pay +7.7%).
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 Omaha employers pay health insurance brokers?
192 Omaha employers reported $20,329,396 in broker commissions and fees on their 2024 Form 5500 filings, 175 of them disclosing at least some compensation. Among 16 commission-paying, fully insured medical plans, the median broker rate was 3.8% of premium, 0.4 points below the Nebraska median of 4.2% and 0.1 points above the U.S. median of 3.8%. In dollars, the median Omaha employer that disclosed broker pay reported $64,980.
Which Omaha employers have the largest health plans?
By insurance premium reported for 2024, National Indemnity Company ($33M), Milan Laser Holdings LLC ($14M), Mutual of Omaha Insurance Company ($6.2M) lead. 25 Omaha employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Omaha?
By compensation reported by Omaha employers, the largest brokers are HUB International ($3.3M, 53 plans), Lockton ($2.6M, 21 plans), Gallagher ($1.5M, 22 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Nebraska, Unitedhealthcare Insurance Company, Kaiser Foundation Health Plan, Inc..
Are Omaha employer health plans self-funded or fully insured?
Of 192 Omaha employer plans, 27 are fully insured, 100 are self-funded and 65 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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