Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
4,926 Texas employers filed health plans with 100 or more participants for plan year 2024, covering 6,139,869 participants. They reported $4.6B in insurance premiums and $665M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 5.6% of premium, 1.8 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 Texas
Every Texas 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 |
|---|---|---|
| Houston | 1,029 | $490M |
| Dallas | 553 | $288M |
| Austin | 446 | $97M |
| San Antonio | 297 | $60M |
| Fort Worth | 212 | $111M |
| Plano | 157 | $20M |
| Irving | 150 | $62M |
| The Woodlands | 74 | $450M |
| Richardson | 64 | $17M |
| Midland | 61 | $2.7M |
| Lubbock | 51 | $10M |
| Frisco | 50 | $42M |
| Carrollton | 48 | $7.3M |
| Addison | 44 | $4.9M |
| El Paso | 40 | $7.8M |
| Pasadena | 40 | $9.8M |
| Spring | 38 | $6.2M |
| Amarillo | 35 | $29,029 |
| Sugar Land | 33 | $74M |
| Waco | 33 | $3.1M |
| Arlington | 32 | $6.7M |
| Lewisville | 32 | $33M |
| Southlake | 31 | $3.9M |
| Beaumont | 29 | $5.6M |
| Odessa | 28 | $107,096 |
| Corpus Christi | 27 | $3.1M |
| Grapevine | 27 | $17M |
| Katy | 26 | $21M |
| Grand Prairie | 24 | $680,672 |
| McKinney | 24 | $0 |
| Tyler | 24 | $1.2M |
| Coppell | 22 | $347,079 |
| Round Rock | 22 | $972,140 |
| Abilene | 21 | $8.6M |
| College Station | 18 | $1.9M |
| Garland | 18 | $0 |
| Wichita Falls | 18 | $296,830 |
| Farmers Branch | 17 | $0 |
| Temple | 17 | $4.5M |
| New Braunfels | 16 | $5.3M |
| Denton | 15 | $2.8M |
| Georgetown | 15 | $1.0M |
| McAllen | 15 | $0 |
| San Angelo | 15 | $2.2M |
Largest employer plans
By health plan participants.
| Employer | City | Participants |
|---|---|---|
| AT&T Inc. | Dallas | 302,269 |
| Insperity Holdings, Inc. | Kingwood | 211,533 |
| H E Butt Grocery Company | San Antonio | 149,548 |
| Whole Foods Market, Inc. | Austin | 126,132 |
| American Airlines, Inc. -Benefits | Fort Worth | 113,782 |
| Southwest Airlines Co. | Dallas | 79,190 |
| 7-Eleven, Inc | Irving | 67,341 |
| Hewlett Packard Enterprise | Spring | 59,396 |
| Tenet Healthcare Corporation | Dallas | 55,262 |
| Penney Opco, LLC | Plano | 53,748 |
| Whataburger Restaurants LLC | San Antonio | 51,655 |
| Baylor Scott & White Holdings | Dallas | 49,348 |
| Baylor Scott & White Health | Dallas | 48,573 |
| Caterpillar Inc. | Irving | 46,686 |
| Toyota Motor North America, Inc. | Plano | 43,006 |
| Sysco Corporation | Houston | 39,990 |
| CBRE Services, Inc. | Richardson | 39,761 |
| Dell Inc. | Round Rock | 39,226 |
| Allstate Ins Co | Dallas | 38,882 |
| Michaels Stores, Inc. | Irving | 38,227 |
| Waste Management, Inc. | Houston | 38,157 |
| United Services Automobile Association | San Antonio | 38,087 |
| Exxon Mobil Corporation | Spring | 38,081 |
| Global Medical Response, Inc. | Lewisville | 35,507 |
| Acec Life/Health Insurance Trust Benefit Consortium | The Woodlands | 34,732 |
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 Texas employers pay health insurance brokers?
Across 194 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Texas employers was 5.6% of premium (middle half 2.7% to 6.0%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $86,351.
Which Texas employers paid the most in broker commissions?
Acec Life/Health Insurance Trust Benefit Consortium reported the most in 2024, $19,239,985, followed by AECOM ($4.7M) and 7-Eleven, Inc ($3.6M).
Which brokers and carriers dominate Texas?
By reported compensation, the largest brokers are Lockton, Marsh McLennan Agency, Gallagher. By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Bluecross Blueshield of Texas, Cigna Health and Life Insurance Company.
Which Texas cities have the most employer health plans?
Houston (1,029 employer plans, $490M in premiums); Dallas (553 employer plans, $288M in premiums); Austin (446 employer plans, $97M in premiums); San Antonio (297 employer plans, $60M in premiums); Fort Worth (212 employer plans, $111M in premiums). 44 Texas 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 Texas medians.
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