Arizona employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
1,032 Arizona employers filed health plans with 100 or more participants for plan year 2024, covering 1,126,661 participants. They reported $143M in insurance premiums and $113M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 7.5% of premium, 3.7 points above 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 Arizona
Every Arizona 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 |
|---|---|---|
| Phoenix | 372 | $74M |
| Scottsdale | 175 | $28M |
| Tucson | 107 | $3.2M |
| Tempe | 87 | $18M |
| Chandler | 57 | $2.4M |
| Mesa | 55 | $6.3M |
| Gilbert | 32 | $1.8M |
| Glendale | 15 | $2.2M |
Largest employer plans
By health plan participants.
| Employer | City | Participants |
|---|---|---|
| Circle K Stores, Inc. | Tempe | 63,438 |
| Intel Corporation | Chandler | 57,472 |
| Teamsters Western Region and New Jersey Health Care Fund | Phoenix | 49,732 |
| Banner Health | Phoenix | 48,768 |
| Vensure Employer Services, Inc. | Chandler | 47,695 |
| Petsmart LLC | Phoenix | 42,804 |
| Sprouts Farmers Markets Holdings, LLC | Phoenix | 32,376 |
| Republic Services, Inc. | Phoenix | 32,186 |
| Sequoia One Peo, LLC | Tempe | 30,727 |
| Knight-Swift Transportation Holdings, Inc. | Phoenix | 14,196 |
| Board of Trustees, United Food and Commercial | Phoenix | 13,307 |
| Freeport-Mcmoran Inc. | Phoenix | 12,911 |
| U-Haul Holding Company | Phoenix | 12,691 |
| Carvana, LLC | Tempe | 11,501 |
| Reliance, Inc. | Scottsdale | 11,433 |
| Troon Golf | Scottsdale | 11,210 |
| Pinnacle West Capital Corporation | Phoenix | 10,469 |
| Honorhealth | Scottsdale | 10,321 |
| Bechtel Global Corporation | Glendale | 9,759 |
| Reinalt-Thomas Corporation | Scottsdale | 9,495 |
| Stantec Consulting Services Inc. and Affiliated Companies | Chandler | 8,144 |
| Asml US, LLC | Chandler | 8,033 |
| Ciox Health, LLC | Phoenix | 7,718 |
| Lifestance Health | Scottsdale | 7,689 |
| Phoenix Children's Hospital | Phoenix | 6,916 |
Highest broker pay
Employers reporting the most broker commissions and fees.
| Employer | City | Broker pay | Rate |
|---|---|---|---|
| Sequoia One Peo, LLC | Tempe | $2,820,261 | — |
| Petsmart LLC | Phoenix | $2,153,866 | — |
| Liberty Utilities Co. | Litchfield | $1,292,072 | — |
| Sprouts Farmers Markets Holdings, LLC | Phoenix | $1,118,467 | — |
| Asml US, LLC | Chandler | $1,012,045 | — |
| Circle K Stores, Inc. | Tempe | $915,830 | — |
| Ciox Health, LLC | Phoenix | $877,571 | — |
| Phoenix Children's Hospital | Phoenix | $822,212 | — |
| TMC Healthcare | Tucson | $790,662 | — |
| Banner Health | Phoenix | $775,056 | — |
| CRB Management Services, Inc. | Phoenix | $747,219 | 7.5% |
| Simonmed | Scottsdale | $684,740 | — |
| Empire Southwest LLC | Mesa | $673,094 | — |
| Gila River Gaming Enterprises, Inc. | Chandler | $665,893 | — |
| California Closets Holding | Phoenix | $652,184 | — |
| Suntec Concrete, Inc. | Phoenix | $598,862 | — |
| Willscot Mobile Mini | Phoenix | $595,704 | — |
| Bechtel Global Corporation | Glendale | $592,658 | — |
| TSMC Arizona Corporation | Phoenix | $582,240 | — |
| Cogir Management USA, Inc | Scottsdale | $571,940 | — |
| Nikola Corporation | Phoenix | $569,000 | — |
| Knight-Swift Transportation Holdings, Inc. | Phoenix | $544,371 | — |
| Asrc Industrial, LLC | Tempe | $533,147 | — |
| Lifestance Health | Scottsdale | $523,345 | — |
| Pretium Enterprise Services | Scottsdale | $494,111 | — |
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 Arizona employers pay health insurance brokers?
Across 21 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Arizona employers was 7.5% of premium (middle half 5.1% to 8.0%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $70,061.
Which Arizona employers paid the most in broker commissions?
Sequoia One Peo, LLC reported the most in 2024, $2,820,261, followed by Petsmart LLC ($2.2M) and Liberty Utilities Co. ($1.3M).
Which brokers and carriers dominate Arizona?
By reported compensation, the largest brokers are Marsh McLennan Agency, Lockton, Benefit Commerce GRP, an Alera GRP. By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross Blue Shield of Arizona, Blue Cross and Blue Shield of Alabama.
Which Arizona cities have the most employer health plans?
Phoenix (372 employer plans, $74M in premiums); Scottsdale (175 employer plans, $28M in premiums); Tucson (107 employer plans, $3.2M in premiums); Tempe (87 employer plans, $18M in premiums); Chandler (57 employer plans, $2.4M in premiums). 8 Arizona cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
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