Kentucky employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
700 Kentucky employers filed health plans with 100 or more participants for plan year 2024, covering 671,156 participants. They reported $180M in insurance premiums and $75M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.7% of premium, 0.0 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 Kentucky
Every Kentucky 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 |
|---|---|---|
| Louisville | 204 | $81M |
| Lexington | 98 | $39M |
| Bowling Green | 32 | $5.3M |
| Owensboro | 18 | $2.7M |
| Covington | 15 | $3.7M |
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.
| Employer | City | Rate | Broker pay |
|---|---|---|---|
| Abel Construction Company, Inc. | Louisville | 6.2% | $88,084 |
| ST Matthews Area Chamber of Commerce Inc | Louisville | 5.8% | $1,854,106 |
| Haier US Appliance Solutions, Inc | Louisville | 5.0% | $34,574 |
| Edge Industrial Technologies | Wilder | 3.9% | $38,902 |
| New Vista of the Bluegrass, Inc. | Lexington | 3.5% | $510,161 |
| HR Plus, LLC | Covington | 3.4% | $40,505 |
| Integrated Management Services, Inc. | Bowling Green | 3.4% | $48,122 |
| Apixio Holdings, LLC | La Grange | 2.9% | $100,125 |
| Blue Grass Community Action Agency Partnership, Inc. | Frankfort | 2.7% | $38,415 |
| Cannon Automotive Solutions Bowling Green, Inc. | Bowling Green | 0.0% | $0 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Kentucky 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 Kentucky employers was 3.7% of premium (middle half 3.4% to 5.0%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $61,155.
Which Kentucky employers paid the most in broker commissions?
Norton Healthcare, Inc. Department reported the most in 2024, $2,420,469, followed by ST Matthews Area Chamber of Commerce Inc ($1.9M) and Rescare, Inc. d/b/a Brightspring Health Services ($1.7M).
Which brokers and carriers dominate Kentucky?
By reported compensation, the largest brokers are Marsh McLennan Agency, AssuredPartners, Mercer. By medical premium, the largest carriers are Anthem Blue Cross and Blue Shield, Blue Cross Blue Shield of South Carolina, Cigna Health and Life Insurance Company.
Which Kentucky cities have the most employer health plans?
Louisville (204 employer plans, $81M in premiums); Lexington (98 employer plans, $39M in premiums); Bowling Green (32 employer plans, $5.3M in premiums); Owensboro (18 employer plans, $2.7M in premiums); Covington (15 employer plans, $3.7M in premiums). 5 Kentucky cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
Is your company on this page? Get its Form 5500 read next to the Kentucky medians.
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