Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
2,404 Ohio employers filed health plans with 100 or more participants for plan year 2024, covering 3,082,555 participants. They reported $1.2B in insurance premiums and $215M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.5% of premium, 0.3 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 Ohio
Every Ohio 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 |
|---|---|---|
| Cincinnati | 277 | $121M |
| Columbus | 239 | $84M |
| Cleveland | 189 | $329M |
| Dayton | 80 | $37M |
| Dublin | 58 | $15M |
| Akron | 55 | $34M |
| Toledo | 48 | $38M |
| Canton | 33 | $4.4M |
| West Chester | 28 | $5.2M |
| Mentor | 27 | $9.2M |
| Mason | 25 | $16M |
| Findlay | 24 | $5.1M |
| Miamisburg | 23 | $377,092 |
| Westerville | 23 | $7.1M |
| Independence | 22 | $1.4M |
| Solon | 22 | $23M |
| Maumee | 21 | $15M |
| Youngstown | 20 | $9.0M |
| Westlake | 18 | $4.3M |
| Beachwood | 17 | $11M |
| Canfield | 17 | $2.1M |
| Lima | 17 | $5.5M |
| New Albany | 15 | $1.3M |
| Wooster | 15 | $6.8M |
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 Ohio employers pay health insurance brokers?
Across 212 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Ohio employers was 3.5% of premium (middle half 2.5% to 4.7%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $56,081.
Which Ohio employers paid the most in broker commissions?
Macy's, Inc. reported the most in 2024, $3,944,742, followed by Premier Health ($2.9M) and Dana Limited ($1.9M).
Which brokers and carriers dominate Ohio?
By reported compensation, the largest brokers are USI Insurance Services, Gallagher, James B. Oswald Company. By medical premium, the largest carriers are Medical Mutual, Medical Mutual of Ohio, Unitedhealthcare Insurance Company.
Which Ohio cities have the most employer health plans?
Cincinnati (277 employer plans, $121M in premiums); Columbus (239 employer plans, $84M in premiums); Cleveland (189 employer plans, $329M in premiums); Dayton (80 employer plans, $37M in premiums); Dublin (58 employer plans, $15M in premiums). 24 Ohio 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 Ohio medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.