Procurement Market Intelligence Report
Group Health Insurance
Sourcing Guide & Market Intelligence
Smarter cost management starts with comprehensive market intelligence
United States
Europe
Global
Quick Navigation
Group Health Insurance Global Overview
Definition
Summary
This report is intended to assist buyers of group health insurance. These policies cover a portion of the healthcare costs for a group of people, such as the employees of a business or organization. Group health insurance policies are often uniform, meaning the same types of benefits are offered to all participating members of the group. Insurers offer several types of managed care programs, which can include health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.
This Report Includes:
- Employee Health Insurance
- Health Maintenance Organizations
- Preferred Provider Organizations
- Point of Service Plans
Not in this Report:
- Life Insurance
- Disability Insurance
- Vision Insurance
- Dental Insurance
Global Group Health Insurance Market - Suppliers by Region
| Country/Region | Number of Suppliers |
|---|---|
| #1 China | 1,550 |
| #2 United States | 1,100 |
| #3 Europe | 995 |
Explore supplier concentration across the globe
We've uncovered the 11 top regions for global procurement, based on feedback from our most strategic clients. Access vendor counts for each unique region when you subscribe.
2
Geography Drilldown - US & Europe
Average Cost of Group Health Insurance
United States
2026 Market Pricing$5,000.00 to $XX,XXX.XX
per employee per yearEurope
Average Price
Prices in the Group Health Insurance market range from $5,000.00 to $XX,XXX.XX, depending on Level of Coverage, Plan Type, Number of Individuals Covered and Firm Size. For example, lower prices are associated with Minimal coverage ($5,000 to $6,000 per employee per year), whereas higher prices are associated with Comprehensive coverage ($6,000 to $12,000 per employee per year).
Need the scoop on international price trends?
Between our Europe and Canada collections, we provide price data for 350 markets so you can instantly compare prices across borders. Or, use our custom research services for intel on prices in any region across the globe.
Group Health Insurance Category Price Trends
Pricing trends are indicated by the compound annual growth rate (CAGR) during a set period of time. For the Group Health Insurance market, prices in the US have grown 6.1% from 2022 to 2025. Meanwhile, the recent three-year CAGR for Europe is +1.0%.
United States (2022-2025)
Europe (2022-2025)
Compound Annual Growth Rate
Wondering where prices are heading?
Price trend forecasts are available to subscribers, along with price driver projections and forward-looking cost structure data.
Cost Analysis - Total Cost of Ownership for Group Health Insurance
Total cost of ownership is Low in the Group Health Insurance market. The average cost of ownership differs depending on the contract but generally includes costs negotiated before the contract begins, costs billed during the contract period and unforeseen costs.
Negotiated Before
Customization
Billed During
Additional Fees
Buyer Power in Procurement Negotiations
In 2026, buyer power amounts to -2.9 in the United States. Buyer power is most positively impacted by Forecast Price Trend. It is most negatively impacted by Availability of Substitutes. Subscribers can access details on eight other factors that impact buyer power. Learn more
United States
Europe
Buyer power forecasts: your glimpse into the future
Develop strategies for the upcoming year and identify unforeseen opportunities for buying now
- Actionable "Buy Now" and "Buy Later" insights
- Near-real-time updates to current and forecast Buyer Power Scores
- Methodology and weightings for Buyer Power Score Components
Supply Chain Risk
The average level of supply chain risk is assessed as Medium, which has a negative impact on buyer power. The level of supply chain risk is affected by industry volatility, barriers to entry, competition, import penetration, regulation and industry financial risk. Buyers in this market can mitigate procurement and supply chain management risks by monitoring risk levels for individual first and second tier suppliers:
1st
Tier Suppliers
- Insurance & Reinsurance Carriers
- Commercial Real Estate Lessors
- Computer & Packaged Software Wholesalers
2nd
Tier Suppliers
- Portfolio Management Firms
- Commercial Bankers
- Computer Manufacturers
Biggest Group Health Insurance Suppliers in the US by Revenue
The largest Group Health Insurance vendors by revenue in the US are Kaiser Permanente, Humana Inc. and Centene Corporation. Subscribers can sort and filter by market share concentration, profit level and other factors. Learn more
| Supplier | Operational Size | Headquarters | Number of Employees | Market Share (%) | Market Share Performance (3yr trend) | Total Revenue ($ million) | Profit Level (%) | Risk Level |
|---|---|---|---|---|---|---|---|---|
| Unitedhealth Group Incorporated | Global | EDEN PRAIRIE | >10,000 | 20-25 | ||||
| Cvs Health Corporation | National | WOONSOCKET, RI | >10,000 | 5-10 | ||||
| Anthem, Inc. | National | INDIANAPOLIS, IN | >10,000 | 5-10 | ||||
| Humana Inc. | National | LOUISVILLE | >10,000 | 5-10 | ||||
| Cigna Corp | Global | BLOOMFIELD | >10,000 | < 5 | ||||
| Centene Corporation | International | ST LOUIS, MO | >10,000 | < 5 | ||||
| Highmark Inc. | National | Pittsburgh, PA | >10,000 | < 5 | ||||
| Independence Health Group, Inc. | National | Philadelphia, PA | 1,001-10,000 | < 5 | ||||
| Healthcare Services Group, Inc. | International | BENSALEM | >10,000 | < 5 | ||||
Looking for a list of suppliers by country?
Subscribers can access vendor information on Canadian and European suppliers, too. We also offer custom research services to help with vendor sourcing anywhere in the world.
Profit Analysis
The average profit margin across vendors in the Group Health Insurance market is 9.1% and steady. Profit levels shift depending on suppliers' spend on wages, purchases and overhead. The highest cost component for vendors is Overhead. The cost trend for this component is stagnating, when considering movement between 2025 and 2026. To understand cost forecasts for 2027 and uncover the implications on profit, start your subscription. Learn more
Vendor & Supply Chain Analysis
On average, vendor risk is considered moderate in the market, indicating that buyers may face service disruptions due to vendor complications such as financial instability.
Market share concentration in the market is moderate, indicating that some vendors control a moderate amount of market revenue; however, vendors in the market still operate competitively.
The market has a moderate level of supply chain risk, indicating that buyers may face some disruptions due to issues or fluctuations in the vendor's upstream supply chain.
Vendors in the market regularly use computers to provide services and the United States is a net importer of computers, indicating a wide availability of computers to select from at a competitive price point. While tariffs have impacted semiconductors, electronics, and computer parts, this market is not significantly impacted by these tariffs do to low frequency in purchases of these goods.
Supplier Information
Unitedhealth Group Incorporated
Unitedhealth Group Incorporated is a public company operating globally in the finance and insurance, professional, scientific and technical services and healthcare and social assistance sectors. The company's offerings include flexible spending account management services, healthcare consulting services, Subscribe to learn more
Anthem, Inc.
Elevance Health, Inc. is a health benefits company that provides network-based, managed care, and risk-based plans to individuals, groups, and Medicaid and Medicare markets. It offers fee-based customers claims processing, stop-loss insurance, provider network access, medical management, care management, Subscribe to learn more
Cvs Health Corporation
Cvs Health Corporation is a public company operating nationally in the manufacturing and finance and insurance sectors. The company's offerings include personal paper products, pharmacy benefit management services, group health insurance, disability insurance, vision insurance. Founded in 1963, the company... Subscribe to learn more
Humana Inc.
Humana Inc. is engaged in providing medical and specialty insurance products and an integrated healthcare services delivery model. It organizes its business into two reportable segments: the Insurance segment, which retails medical and supplemental benefit plans to Medicare and state-based contract beneficiaries... Subscribe to learn more
Centene Corporation
Centene Corporation is a public company operating internationally in the information and finance and insurance sectors. The company's offerings include financial analysis software, group health insurance and group dental insurance. Founded in 1984, the company is currently headquartered in ST LOUIS, Missouri,... Subscribe to learn more
Cigna Corp
Cigna Corp is a public company operating globally in the finance and insurance sector. The company's offerings include flexible spending account management services, pharmacy benefit management services, group health insurance, disability insurance, vision insurance. Founded in 1792, the company is currently... Subscribe to learn more
EmblemHealth Inc.
EmblemHealth Inc. is a private company operating nationally in the finance & insurance sector. The company's offerings include flexible spending account management services and group health insurance. Founded in 1937, the company is currently headquartered in New York City, New York, United States of America... Subscribe to learn more
Healthcare Services Group, Inc.
Healthcare Services Group, Inc. is a management, administrative, and operation services provider to the healthcare industry. It offers housekeeping services, dietary services, and administrative services, including centralized financial management and support, legal services, and human resources management.... Subscribe to learn more
Highmark Inc.
Highmark Inc. is a private company operating nationally in the finance & insurance sector. The company's offerings include group health insurance, vision insurance and group dental insurance. Founded in 1977, the company is currently headquartered in Pittsburgh, Pennsylvania, United States of America with... Subscribe to learn more
Accelerate the vendor selection process
Get a clear picture of the competition in a market and discover which vendors are best-suited for your sourcing needs. Our supplier profiles include hard-to-find financial ranges for private companies, cover public company data and feature an interactive competitor matrix.
Procurement Management KPIs for the Group Health Insurance Market
Managing vendor performance throughout the contract period is easier when tracking specific key performance indicators (KPIs). For example, buyers should monitor Average Response Time and Customer Complaints. Buyers may experience better performance throughout their contracts if they establish service level agreements (SLAs) based on Benefits and other factors.
| KPI | Level of Importance (1-5) | Measurements | Key Considerations |
|---|---|---|---|
| Average Response Time |
|
Time to respond to buyer's contact with vendor Time to respond to employee's contact with vendor |
Buyers should assess how responsive insurance providers are to outreach from both the buyer and the employees participating in the program. Poor response times indicate poor customer service. |
| Customer Complaints |
|
Number of complaints made per month Vendor response to complaints |
Buyers should keep track of complaints made against the vendor from both employees and the buyer themselves to assess the quality of the provider. Buyers should categorize complaints by varying severity levels, as numerous complaints that are considered severe may warrant a change in vendors. |
|
|||
Questions to Ask During Procurement Negotiations
How can I gain leverage during negotiations?
Qualifications
How many policies do you manage?
How do your services compare to those of your competitors?
Vendor Financial Risk
How does your company respond to increases in the price of healthcare?
What are your credit ratings according to A.M. Best, Standard and Poor's and Moody's?
Service Performance
Do your policies comply with the requirements of the PPACA?
What prescription drugs are covered under the plan?
The ultimate prep for procurement negotations
View all 37 negotiation questions for this category when you subscribe.
Group Health Insurance RFP Guidelines
What should my RFP include?
Organizational Overview
Buyers should give an overview of their organizations, including the number of employees, location(s) and type of ownership.
Buyers should list which employees are eligible for coverage (i.e., full-time employees).
Statement Of Need
Buyers should list the minimum benefits the plan should offer to participants.
Buyers should outline other services the insurer must provide (mailing ID cards, preparing monthly claims reports, etc.).
Project Budget
Vendors should include a detailed breakdown of their premium rates, deductibles and other costs.
Buyers should outline any other costs for which insurers are responsible (e.g., mailing).
The RFP process made easy
Find out how you can access RFP templates for 800+ procurement categories to start writing better, more consistent RFPs.
We display average pricing information, trends and market data.
Our Reports include:
- Opportunity assessment
- Market dynamics
- Recent developments
- Positive and warning trends
- Buyer power levers
- Price environment and market pricing
- Geographic wage rates
- Global market updates
- Total cost of ownership
- Cost structure benchmarks and analysis
- Supply chain and vendors
- Global supplier breakdown
- Market share concentration
- Regulation and business requirements
- Vendor management and KPIs
- Sourcing strategy guidance
