Physician practices in Kentucky
PlanOptica tracks 66 health and welfare plans sponsored by 64 physician practices in Kentucky, covering 9,980 participants and $51M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 11 participants, and the most common size is under 100 participants (70% of plans). Most of these plans are self-funded or mixed (83%), so stop-loss and TPA relationships matter as much as the medical carrier.
Anthem Health Plans of Kentucky, Inc dominates premium with a 72% share, followed by Hartford Life and Accident at 8%. Houchens Insurance Group Inc is the broker of record on 6 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (5). 33% of plans report broker compensation on Schedule A; the median brokered plan pays $79K a year, about 7.5% of premium. Louisville, Lexington and Bowling Green have the most plans.
Funding mix
- Self-funded44 · 67%
- Fully insured11 · 17%
- Mixed11 · 17%
Plan size (participants)
- Under 10046 · 70%
- 100 to 2497 · 11%
- 250 to 4995 · 8%
- 500 to 9995 · 8%
- 1,000 or more3 · 5%
Median plan: 11 participants. Median broker comp: 7.5% of premium across 22 brokered plans.
Top carriers, physicians, Kentucky
- 1Anthem Health Plans of Kentucky, Inc$37M12 plans · 72.5%
- 2Hartford Life and Accident$4.2M7 plans · 8.2%
- 3Delta Dental of Kentucky$2.2M12 plans · 4.4%
- 4Standard Insurance Company$1.7M5 plans · 3.3%
- 5Unum Life Insurance Company of America$1.5M6 plans · 2.9%
- 6United of Omaha Life Insurance Company$890K1 plans · 1.7%
- 7Health Resources, Inc$603K1 plans · 1.2%
- 8Nationwide$450K1 plans · 0.9%
- 9The Lincoln National Life Insurance Company$417K3 plans · 0.8%
- 10Eyemed Vision Care on Behalf of the Combined Insurance Co. of America$275K3 plans · 0.5%
Top brokers, physicians, Kentucky
- 1Houchens Insurance Group Inc6 plans$355K comp · 27.3%
- 2Marsh & McLennan Agency LLC5 plans$276K comp · 22.7%
- 3McGriff Insurance Services LLC4 plans$141K comp · 18.2%
- 4Benefit Insurance Marketing, Inc3 plans$338K comp · 13.6%
- 5Foundation Risk Partners Corp3 plans$297K comp · 13.6%
- 6Assuredpartners NL LLC3 plans$179K comp · 13.6%
- 7Gallagher Benefit Services, Inc2 plans$211K comp · 9.1%
- 8Accretive Wholesale Insurance Servi2 plans$137K comp · 9.1%
- 9Hub International Midwest Limited2 plans$45K comp · 9.1%
- 10Usi Insurance Services LLC2 plans$13K comp · 9.1%
Largest physician practices in Kentucky
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| New Lexington Clinic, P.S.C Lexington Clinic Group Employee Benefit PlanAll plans | Lexington | Mixed | 1,298 | $3.3M | Hartford Life and Accident |
| Cumberland Family Medical Center Cumberland Family Medical Center Employee Benefits PlanAll plans | Burkesville | Mixed | 1,214 | $1.8M | Delta Dental of California |
| Kentucky Primary Care Association Health and Benefits Trust Kentucky Primary Care Association Health & Benefits TrustAll plans | Lexington | Fully insured | 1,141 | $12M | Anthem Life Insurance Company |
| Graves Gilbert Clinic, PLLC Graves-Gilbert Clinic Employee Benefits PlanAll plans | Bowling Green | Mixed | 872 | $1.7M | Unum Life Insurance Company of America |
| Family Allergy Mso, LLC Family Allergy Mso, LLC Employee Benefits PlanAll plans | Louisville | Mixed | 589 | $1.1M | Nationwide Life Insurance Company |
| Orthocincy Orthopaedics and Sports Medicine, PSC Orthocincy Orthopaedics and Sports Medicine, PSCAll plans | Edgewood | Mixed | 587 | $900K | United of Omaha Life Insurance Company |
| Mountain Comprehensive Health Corporation Mountain Comprehensive Health Corporation Health and Welfare PlanAll plans | Whitesburg | Mixed | 559 | $912K | Hartford Life and Accident |
| Cumberland River Behavioral Health Inc Cumberland River Behavioral Health Inc. Health and Welfare PlanAll plans | Corbin | Fully insured | 502 | $2.9M | Anthem Life Insurance Company |
| Lewis County Primary Care Center, Inc Lewis County Primary Care Center, Inc. Welfare Benefits PlanAll plans | Vanceburg | Mixed | 399 | $9.3M | Anthem Life Insurance Company |
| Primary Care Centers of Eastern Kentucky Primary Care Centers of Eastern Kentucky Welfare Benefit PlanAll plans | Hazard | Fully insured | 365 | $386K | Anthem Life Insurance Company |
| Family Health Centers Family Health Centers Health & Welfare PlansAll plans | Louisville | Mixed | 310 | $287K | Delta Dental of California |
| Health Help, Inc. Dba Whitehouse Clinic Whitehouse Clinic Group Benefit PlanAll plans | Richmond | Fully insured | 301 | $3.2M | Anthem Life Insurance Company |
| Sterling Health Care Sterling Health Care Welfare Benefit PlanAll plans | Mt Sterling | Fully insured | 297 | $3.5M | Anthem Life Insurance Company |
| Healthfirst Bluegrass Inc Healthfirst Bluegrass Health and Welfare Benefit PlanAll plans | Lexington | Fully insured | 224 | $2.6M | Anthem Life Insurance Company |
| Pain Management Centers of America Pain Management Centers of America, PSC & Affiliates Health & Welfare Benefits PlanAll plans | Paducah | Mixed | 181 | $192K | American United Life Insurance Company |
Showing 15 of 64 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Kentucky
- Louisville20 plans · 1,365 participants
- Lexington19 plans · 3,099 participants
- Bowling Green4 plans · 888 participants
- Paducah3 plans · 200 participants
- Somerset2 plans · 8 participants
- Burkesville1 plans · 1,214 participants
- Edgewood1 plans · 587 participants
- Whitesburg1 plans · 559 participants
- Corbin1 plans · 502 participants
- Vanceburg1 plans · 399 participants
- Hazard1 plans · 365 participants
- Richmond1 plans · 301 participants
Frequently asked questions
How many physician practices in Kentucky offer an ERISA health plan?
66 health and welfare plans from 64 physician practices in Kentucky appear in plan year 2024 to 2025 filings on Form 5500, covering 9,980 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 physician practices in Kentucky?
By Schedule A premium: Anthem Health Plans of Kentucky, Inc (72% of premium, 12 plans), Hartford Life and Accident (8% of premium, 7 plans) and Delta Dental of Kentucky (4% of premium, 12 plans).
Which benefits brokers work with physician practices in Kentucky?
By number of client plans: Houchens Insurance Group Inc (6 plans), Marsh & McLennan Agency LLC (5 plans) and McGriff Insurance Services LLC (4 plans). 33% of plans report a broker.
How much do brokers earn on physician practices health plans in Kentucky?
The median brokered plan reports $79K a year in broker commissions and fees, or 7.5% of premium. Figures come from Schedule A, Part I.
Are physician practices health plans in Kentucky self-funded or fully insured?
Self-funded 67%, fully insured 17% and mixed 17%. Self-funded and mixed plans together make up 83%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of physicians (NAICS 621111) and of mental health physicians (621112).
Prospect physician practices in Kentucky
Open the welfare search with Kentucky and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Physicians in nearby states
Other healthcare specialties in Kentucky
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of physicians (NAICS 621111) and of mental health physicians (621112). Location is the sponsor's filing address in Kentucky.