Insurance carrier
BLUE CROSS BLUE SHIELD OF MICHIGAN
BLUE CROSS BLUE SHIELD OF MICHIGAN appears on 1,075 employer benefit contracts in public Form 5500 Schedule A filings.
1,075 employer contracts on file name BLUE CROSS BLUE SHIELD OF MICHIGAN as the insurance carrier. The full book with premiums and commissions is on the subscriber view of this page, or through the Form5500Lookup connector for ChatGPT and Claude.
Book profile
BLUE CROSS BLUE SHIELD OF MICHIGAN writes 1,075 insured contracts for 1,043 employers, across 24 states, led by MI, OH, DC.
Health is the largest line (985 contracts), followed by vision (331), dental (222), stop-loss (73).
CHRISTOPHER M BOUSCHET is the broker of record on the most contracts (65, about 6%); REBECCA A. MCLAUGHLAN, ELAINE C. COFFMAN, DEAN E. AUSTIN follow.
Renewals concentrate on January 1: 68% of the dated welfare contracts have policy years ending in December, so most of the book comes up for review at once.
Offices that file under one name are added up on one row. The name links to the office with the most contracts on this carrier.
- CHRISTOPHER M BOUSCHET65
- REBECCA A. MCLAUGHLAN36
- ELAINE C. COFFMAN21
- DEAN E. AUSTIN16
- JOSEPH J. HANEY15
- MICHAEL G. BUCK2 offices on this carrier15
Counted by each employer's own state. Largest first.
Contracts by line.
health 985 · vision 331 · dental 222 · stop-loss 73 · life 2 · disability 2
Welfare contracts, counted by their typical renewal date (the 1st after the policy year ends). Annuity and GIC funding contracts have no renewal.
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Employers with plans through BLUE CROSS BLUE SHIELD OF MICHIGAN
| Employer | Location | Broker | Renews |
|---|---|---|---|
| THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST | DETROIT, MI | — | Jan 1FY2024 |
| THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST | DETROIT, MI | — | Jan 1FY2024 |
| LG ENERGY SOLUTION MICHIGAN, INC. | TROY, MI | NFP CORPORATE SERVICES (SE) INC. | Jan 1FY2025 |
| ADP TOTALSOURCE, INC. | MIAMI, FL | GBS SPECIALTY MARKETS, LLC | Jun 1FY2025 |
| THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST | DETROIT, MI | — | Jan 1FY2024 |
more employers with plans through BLUE CROSS BLUE SHIELD OF MICHIGAN
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Sourced from U.S. DOL EFAST2 Form 5500 · Schedule A · each row is that employer’s most recent filing, largest premium first (plan years 2024–2025 on this page)
Legal name and group as filed with CMS
Commission as a share of premium, by state
The share is the agents' fees and commissions this carrier reported to CMS, divided by the medical premium it earned in that state and market. It counts medical business only, so a carrier's dental, vision, life and disability commissions are not in it, and a carrier that insures no medical business reports no share at all.
The states where this carrier earned the most premium, largest first.
A negative share means the carrier reported less than zero in fees and commissions for that state and market. That happens when it took back more from earlier years than it paid out in this one.
| State | Market | Commission, share of premium | Premium earned |
|---|---|---|---|
| Michigan | large-group | -0.2% | $4,633,184,806 |
| Michigan | small-group | 2.0% | $1,094,747,598 |
| Michigan | individual | -0.7% | $543,636,617 |
Source: CMS Medical Loss Ratio public use file, 2024. This is the carrier's own report to CMS, not a Form 5500 filing.
This report covers major medical insurance, in all three markets: individual, small group and large group. A company that only administers self-funded plans files none of it, and neither does one that writes only dental, vision, life or disability coverage, so nothing appears here for them.
Filed rate changes by state
Each row is the average rate change this carrier filed with a state's regulator for 2026. The figure covers a whole block of business, so it is not the change on any one employer's plan.
Ordered by the premium this carrier earned in each state.
| State | Market | Average rate change filed |
|---|---|---|
| Michigan | individual | 23.9% |
| Michigan | small-group | 11.1% |
Source: CMS Uniform Rate Review public use file, 2026. This is what the carrier filed with regulators, not a Form 5500 filing.
Rates are filed with regulators for small-group and individual coverage only. Large-group rates are negotiated, so they are not in this file.
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