Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
2,113 Michigan employers filed health plans with 100 or more participants for plan year 2024, covering 2,220,542 participants. They reported $2.5B in insurance premiums and $220M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.2% of premium, 0.6 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 Michigan
Every Michigan 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 |
|---|---|---|
| Grand Rapids | 213 | $151M |
| Troy | 140 | $284M |
| Detroit | 95 | $207M |
| Southfield | 78 | $95M |
| Lansing | 58 | $117M |
| Ann Arbor | 56 | $100M |
| Farmington Hills | 55 | $106M |
| Auburn Hills | 54 | $63M |
| Novi | 44 | $44M |
| Kalamazoo | 42 | $50M |
| Holland | 39 | $64M |
| Livonia | 39 | $80M |
| Warren | 38 | $20M |
| Plymouth | 37 | $23M |
| Sterling Heights | 28 | $43M |
| Bloomfield Hills | 26 | $32M |
| Dearborn | 25 | $73M |
| Saginaw | 24 | $30M |
| Rochester Hills | 23 | $14M |
| Traverse City | 22 | $6.6M |
| Muskegon | 21 | $6.4M |
| Wixom | 21 | $25M |
| Brighton | 19 | $30M |
| Jackson | 19 | $21M |
| Clinton Township | 18 | $44M |
| Flint | 18 | $21M |
| Madison Heights | 18 | $13M |
| Northville | 17 | $13M |
| Battle Creek | 15 | $6.2M |
| Byron Center | 15 | $6.4M |
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 Michigan employers pay health insurance brokers?
Across 704 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Michigan employers was 3.2% of premium (middle half 3.0% to 4.5%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $68,927.
Which Michigan employers paid the most in broker commissions?
LG Chem Michigan, Inc. reported the most in 2024, $3,759,029, followed by McLaren Health Care ($1.8M) and HTC Global Services, Inc. ($1.3M).
Which brokers and carriers dominate Michigan?
By reported compensation, the largest brokers are Marsh McLennan Agency, Gallagher, Lockton. By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Bluecross Blueshield of Illinois.
Which Michigan cities have the most employer health plans?
Grand Rapids (213 employer plans, $151M in premiums); Troy (140 employer plans, $284M in premiums); Detroit (95 employer plans, $207M in premiums); Southfield (78 employer plans, $95M in premiums); Lansing (58 employer plans, $117M in premiums). 30 Michigan 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 Michigan medians.
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