Home health care agencies by state
PlanOptica tracks 893 health and welfare plans sponsored by 768 home health care agencies in the United States, covering 449,757 participants and $1.3B in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 141 participants, and the most common size is under 100 participants (36% of plans). The funding mix is split: 47% of plans are self-funded or mixed and the rest are mainly fully insured.
Carefirst of Maryland, Inc leads by premium with a 32% share, followed by Cigna Health and Life Insurance Company at 9%. Marsh & McLennan Agency LLC is the broker of record on 74 plans, more than any other firm, ahead of Acrisure LLC (74). 75% of plans report broker compensation on Schedule A; the median brokered plan pays $50K a year, about 7.1% of premium. OH, TX and NY have the most plans of any state.
Funding mix
- Fully insured468 · 52%
- Mixed212 · 24%
- Self-funded204 · 23%
- Unknown7 · 1%
- MEWA2 · 0%
Plan size (participants)
- Under 100319 · 36%
- 100 to 249284 · 32%
- 250 to 499130 · 15%
- 500 to 99971 · 8%
- 1,000 or more89 · 10%
Median plan: 141 participants. Median broker comp: 7.1% of premium across 667 brokered plans.
Top carriers, home health, the U.S.
- 1Carefirst of Maryland, Inc$406M141 plans · 32.0%
- 2Cigna Health and Life Insurance Company$118M62 plans · 9.3%
- 3Unitedhealthcare Insurance Company$111M67 plans · 8.8%
- 4Aetna Life Insurance Co$107M77 plans · 8.5%
- 5Kaiser Foundation Health Plan, Inc$61M50 plans · 4.8%
- 6Metropolitan Life Insurance Company$37M85 plans · 3.0%
- 7Lincoln National Life Insurance Company$36M44 plans · 2.9%
- 8Unum Life Insurance Company of America$36M66 plans · 2.8%
- 9The Guardian Life Insurance Company of America$27M97 plans · 2.1%
- 10Delta Dental Insurance Company$26M75 plans · 2.1%
Top brokers, home health, the U.S.
- 1Marsh & McLennan Agency LLC74 plans$5.4M comp · 11.1%
- 2Acrisure LLC74 plans$1.6M comp · 11.1%
- 3Alliant Insurance Svcs Inc64 plans$2.7M comp · 9.6%
- 4Gallagher Benefit Services, Inc54 plans$5.9M comp · 8.1%
- 5Usi Insurance Services LLC46 plans$4.1M comp · 6.9%
- 6Hub International Midwest Limited43 plans$3.4M comp · 6.4%
- 7Webtpa Employer Services LLC40 plans$9K comp · 6.0%
- 8Lockton Companies, LLC39 plans$4.6M comp · 5.8%
- 9Gis Benefits Inc37 plans$647K comp · 5.5%
- 10Brown & Brown Insurance Services35 plans$2.6M comp · 5.2%
Largest home health care agencies nationally
| Employer / plan | Location | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Bayada Home Health Care, Inc Bayada Home Health Care, Inc. Health & Welfare PlanAll plans | Pennsauken, NJ | Fully insured | 17,680 | $22M | Hartford Life and Accident |
| Amedisys Holding, LLC Amedisys Employees Welfare Benefit PlanAll plans | Baton Rouge, LA | Mixed | 15,194 | $31M | Unum Life Insurance Company of America |
| LHC Group, Inc LHC Group Benefit PlanAll plans | Lafayette, LA | Mixed | 14,782 | $17M | Equitable Financial Life Insurance Company of America |
| Curo Health Services, LLC Curo Health Services, LLC Welfare Benefits PlanAll plans | Mooresville, NC | Mixed | 12,409 | $19M | The Lincoln National Life Insurance Company |
| Thekey, LLC Thekey Health & Welfare Benefit PlanAll plans | LA Jolla, CA | Mixed | 11,022 | $3.4M | Kaiser Foundation Health Plan Inc |
| Lincare Inc Lincare Inc. Welfare Benefit PlanAll plans | Clearwater, FL | Mixed | 10,201 | $5.8M | United of Omaha Life Insurance Company |
| Vitas Healthcare Vitas Welfare Benefit PlanAll plans | Miramar, FL | Fully insured | 9,675 | $15M | Aflac |
| Advanced Homecare Management, LLC Advanced Homecare Management, LLC Health PlanAll plans | Dallas, TX | Mixed | 8,291 | $7.0M | The Lincoln National Life Insurance Company |
| Friends & Family Home Care Services, LLC Friends & Family Home Care Services Medical PlanAll plans | New York, NY | Self-funded | 7,347 | - | - |
| Platinum Home Health Care Inc Platinum Health Care Benefits TrustAll plans | Brooklyn, NY | Mixed | 7,072 | $127K | Sun Life Assurance Company of Canada |
| Option Care Health, Inc Option Care Health, Inc. Health and Welfare PlanAll plans | Bannockburn, IL | Mixed | 6,815 | $8.1M | Kaiser Foundation Health Plan Inc |
| Aveanna Healthcare, LLC Aveanna Healthcare Texas Injury Benefit PlanAll plans | Atlanta, GA | Self-funded | 6,708 | - | - |
| Aoc Opco, LLC Aoc Opco, LLC Wrap PlanAll plans | McKinney, TX | Fully insured | 5,154 | $3.3M | Metropolitan Life Insurance Company |
| Magellan Health, Inc Magellan Health, Inc. Health and Welfare Benefits PlanAll plans | Maryland Heights, MO | Mixed | 5,020 | $9.1M | Metropolitan Life Insurance Company |
| Pennant Services Inc Pennant Services Inc. Health and Welfare PlanAll plans | Eagle, ID | Mixed | 4,834 | $2.5M | Unum Life Insurance Company of America |
Showing 15 of 768 employers. Filter the full list by size, funding, carrier and broker.
Plans by state
- Ohio89 plans
- Texas86 plans
- New York82 plans
- California59 plans
- Pennsylvania55 plans
- Florida46 plans
- Georgia26 plans
- Massachusetts26 plans
- Minnesota24 plans
- North Carolina24 plans
- Indiana23 plans
- Missouri22 plans
- Illinois21 plans
- New Jersey21 plans
- Wisconsin20 plans
- Arizona19 plans
- Colorado19 plans
- Maryland19 plans
- Kentucky17 plans
- Virginia17 plans
- Louisiana16 plans
- New Hampshire16 plans
- Michigan13 plans
- Tennessee13 plans
- Utah11 plans
- Iowa10 plans
- Oklahoma10 plans
- Oregon8 plans
- South Carolina8 plans
- Alabama7 plans
- Connecticut7 plans
- Montana6 plans
- Washington6 plans
- Kansas5 plans
- Maine5 plans
- Arkansas4 plans
- Idaho4 plans
- Mississippi3 plans
- Nebraska3 plans
- New Mexico3 plans
- North Dakota3 plans
- Rhode Island2 plans
- Vermont2 plans
- West Virginia2 plans
- Delaware1 plans
- Nevada1 plans
Frequently asked questions
How many home health care agencies offer an ERISA health plan?
893 health and welfare plans from 768 home health care agencies appear in plan year 2024 to 2025 filings on Form 5500, covering 449,757 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most home health care agencies?
By Schedule A premium: Carefirst of Maryland, Inc (32% of premium, 141 plans), Cigna Health and Life Insurance Company (9% of premium, 62 plans) and Unitedhealthcare Insurance Company (9% of premium, 67 plans).
Which benefits brokers work with home health care agencies?
By number of client plans: Marsh & McLennan Agency LLC (74 plans), Acrisure LLC (74 plans) and Alliant Insurance Svcs Inc (64 plans). 75% of plans report a broker.
How much do brokers earn on home health care agencies health plans?
The median brokered plan reports $50K a year in broker commissions and fees, or 7.1% of premium. Figures come from Schedule A, Part I.
Are home health care agencies health plans self-funded or fully insured?
Fully insured 52%, mixed 24% and self-funded 23%. Self-funded and mixed plans together make up 47%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Home health care services (NAICS 621610), plus healthcare employers whose name says home health or home care.
Prospect home health care agencies in your territory
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Other healthcare specialties
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Home health care services (NAICS 621610), plus healthcare employers whose name says home health or home care.