Alabama employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
638 Alabama employers filed health plans with 100 or more participants for plan year 2024, covering 474,613 participants. They reported $1.0B in insurance premiums and $70M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.7% of premium, 0.1 points below the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Cities in Alabama
Every Alabama city where 15 or more employers filed a health plan, by the sponsor's mailing address. Each page lists the city's largest plans, brokers and carriers.
| City | Employer plans | Premiums |
|---|---|---|
| Birmingham | 158 | $181M |
| Huntsville | 77 | $141M |
| Mobile | 60 | $81M |
| Montgomery | 37 | $157M |
| Tuscaloosa | 16 | $43M |
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Alabama employers pay health insurance brokers?
Across 10 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Alabama employers was 3.7% of premium (middle half 3.0% to 4.8%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $64,089.
Which Alabama employers paid the most in broker commissions?
Peco Foods, Inc. reported the most in 2024, $1,653,619, followed by Coca Cola Bottling Company United, Inc. ($1.5M) and The Children's Hospital of Alabama ($1.1M).
Which brokers and carriers dominate Alabama?
By reported compensation, the largest brokers are Lockton, Cobbs Allen, Marsh McLennan Agency. By medical premium, the largest carriers are Blue Cross and Blue Shield of Alabama, Blue Cross Blue Shield, Blue Cross and Blue Shield of Al.
Which Alabama cities have the most employer health plans?
Birmingham (158 employer plans, $181M in premiums); Huntsville (77 employer plans, $141M in premiums); Mobile (60 employer plans, $81M in premiums); Montgomery (37 employer plans, $157M in premiums); Tuscaloosa (16 employer plans, $43M in premiums). 5 Alabama cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
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