Insurance carrier
CAREFIRST BLUECHOICE, INC.
CAREFIRST BLUECHOICE, INC. appears on 281 employer benefit contracts in public Form 5500 Schedule A filings.
281 employer contracts on file name CAREFIRST BLUECHOICE, INC. 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
CAREFIRST BLUECHOICE, INC. writes 281 insured contracts for 280 employers, across 9 states, led by MD, DC, VA.
Health is the largest line (275 contracts), followed by dental (144), vision (116).
THE MELTZER GROUP, INC. is the broker of record on the most contracts (37, about 13%); USI INSURANCE SERVICES LLC, DIGITAL INSURANCE INC., MARSH & MCLENNAN AGENCY LLC follow.
Renewals are spread through the year; January 1 renewals (policy year ends December) are the largest group, at 36% of the dated welfare contracts.
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.
- THE MELTZER GROUP, INC.37
- USI INSURANCE SERVICES LLC2 offices on this carrier24
- DIGITAL INSURANCE INC.13
- MARSH & MCLENNAN AGENCY LLC3 offices on this carrier11
- SILBERSTEIN INSURANCE GROUP10
- CBIZ BENEFITS & INSURANCE SERVICES2 offices on this carrier8
Counted by each employer's own state. Largest first.
Contracts by line.
health 275 · dental 144 · vision 116
Welfare contracts, counted by their typical renewal date (the 1st after the policy year ends). Annuity and GIC funding contracts have no renewal.
- J
- F
- M
- A
- M
- J
- J
- A
- S
- O
- N
- D
Employers with plans through CAREFIRST BLUECHOICE, INC.
| Employer | Location | Broker | Renews |
|---|---|---|---|
| SOMATUS, INC. | MCLEAN, VA | GALLAGHER BENEFIT SERVICES, INC. | Jan 1FY2025 |
| MOORE HOLDINGS, LLC | LANHAM, MD | LOCKTON COMPANIES, LLC | Jan 1FY2024 |
| FRIENDSHIP PUBLIC CHARTER SCHOOL | WASHINGTON, DC | HUB INTERNATIONAL MID-ATLANTIC, INC | Oct 1FY2025 |
| MARYLAND HEALTH SYSTEMS LORIEN HEALTH SYSTEMS | ELLICOTT CITY, MD | SILBERSTEIN INSURANCE GROUP | Nov 1FY2025 |
| CBEYONDATA LLC | ARLINGTON, VA | THE MELTZER GROUP, INC. | Oct 1FY2025 |
more employers with plans through CAREFIRST BLUECHOICE, INC.
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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. The other 1 are in the list below.
| State | Market | Commission, share of premium | Premium earned |
|---|---|---|---|
| Maryland | large-group | 0.8% | $1,344,145,956 |
| Maryland | small-group | 4.8% | $1,047,569,783 |
| Maryland | individual | 1.2% | $735,316,720 |
| District of Columbia | large-group | 1.1% | $334,168,774 |
| District of Columbia | small-group | 4.7% | $331,142,311 |
| Virginia | large-group | 1.2% | $259,390,148 |
| Virginia | small-group | 4.4% | $252,612,911 |
| Virginia | individual | 0.3% | $68,845,833 |
| District of Columbia | individual | 0.7% | $13,084,538 |
All 9 states and markets
Every state and market this carrier reported for 2024, largest premium first.
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 |
|---|---|---|
| Maryland | individual | 13.6% |
| Maryland | small-group | 2.9% |
| District of Columbia | individual | 4.1% |
| District of Columbia | small-group | 10.7% |
| Virginia | individual | 18.2% |
| Virginia | small-group | 1.3% |
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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