West Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
156 West Virginia employers filed health plans with 100 or more participants for plan year 2024, covering 125,747 participants. They reported $10.0M in insurance premiums and $12M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 2.3% of premium, 1.4 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 West Virginia
Every West Virginia 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 |
|---|---|---|
| Huntington | 18 | $157,776 |
| Morgantown | 15 | $85,908 |
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 |
|---|---|---|---|
| Wheeling Park Commission | Wheeling | 2.3% | $28,422 |
| MD Electrical Industry Health Fund | Ona | 0.0% | $0 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do West Virginia employers pay health insurance brokers?
Across 1 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for West Virginia employers was 2.3% of premium (middle half 2.3% to 2.3%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $50,231.
Which West Virginia employers paid the most in broker commissions?
Charleston Area Medical Center, Inc. reported the most in 2024, $1,506,447, followed by American Public Education, Inc. ($695,211) and Independent Oil and Gas Association of West Virginia TR ($534,334).
Which brokers and carriers dominate West Virginia?
By reported compensation, the largest brokers are Marsh McLennan Agency, HUB International, Lockton. By medical premium, the largest carriers are Carefirst of Maryland, Inc., Highmark Blue Cross Blue Shield West Virginia, Sierra Health and Life Insurance Company, Inc..
Which West Virginia cities have the most employer health plans?
Huntington (18 employer plans, $157,776 in premiums); Morgantown (15 employer plans, $85,908 in premiums). 2 West Virginia 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 West Virginia medians.
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