Payer Overview

University Hlth Care & Gundersen Lut Market Analysis: Market Share and Coverage by State

University Hlth Care & Gundersen Lut is a regional health insurer with concentrated Upper Midwest strength and a modest national ranking. Its scale is driven by deep penetration in a few states rather than a broad national footprint.

University Hlth Care & Gundersen LutHealth InsuranceHealthcare MarketProvider ContractingReimbursementWisconsinMinnesotaIllinoisIowa

Payer Overview

University Hlth Care & Gundersen Lut operates as a regional commercial and government lines payer with a focused but meaningful national position. It is the #67 largest US A&H payer by premium and writes $2.31B in the US, representing a 0.16% US market share across 4 states. The organization reports an Estimated Total Members figure of 379.1K and operates through 4 affiliated subsidiaries.

The payer's footprint is concentrated in the Upper Midwest, with its largest state presence driving most of its activity. This concentration shapes contracting leverage and network strategy: provider groups engaging the payer should expect negotiation dynamics driven by strong regional premium and membership density rather than broad national scale. Data indicates the payer does not report a #1 ranking in any state.

Premium by Scope

Scope	Jurisdictions	Premium	Share of Payer Total
US States & DC	4	$2.31B	100.00%
Total	4	$2.31B	100.00%

University Hlth Care & Gundersen Lut's premium is exclusively reported in the US States & DC scope, accounting for 100.00% of its documented premium. There is no separate US territory or foreign premium reported for this payer, indicating an exclusively domestic mainland footprint. For providers, this concentration means contracting and network strategies should focus on the payer's regional operations within the documented states rather than expecting exposure from territories or international business.

Subsidiary	Domicile
Quartz Health Benefit Plans Corporation	WI
Quartz Health Insurance Corporation	WI
Quartz Health Plan Corporation	WI
Quartz Health Plan of Minnesota Corporation	MN

Subsidiary

Domicile

Quartz Health Benefit Plans Corporation

Quartz Health Insurance Corporation

Quartz Health Plan Corporation

Quartz Health Plan of Minnesota Corporation

State	Market Share	Premium Written	Estimated Members
IA	0.03%	$4.08M	612
IL	0.13%	$82.0M	11.8K
MN	0.18%	$51.1M	8.00K
WI	7.86%	$2.17B	359K
National Total	—	$2.31B	379.1K

State

Market Share

Premium Written

Estimated Members

0.03%

$4.08M

612

0.13%

$82.0M

11.8K

0.18%

$51.1M

8.00K

7.86%

$2.17B

359K

National Total

—

$2.31B

379.1K

Age Band	Wisconsin	Minnesota	Illinois	Iowa	National Total
Under 6	21,479	518	713	38	22,748
6–18	56,928	1,323	1,854	101	60,206
19–25

Age Band

Wisconsin

Minnesota

Illinois

Iowa

National Total

Under 6

21,479

518

713

22,748

6–18

56,928

1,323

1,854

101

60,206

19–25

State-by-State Market Position

University Hlth Care & Gundersen Lut's strongest presence is in the Midwest, particularly Wisconsin where it holds its top ranked state position and writes $2.17B in premium. The other Midwestern states in its footprint — Minnesota, Illinois, and Iowa — show much smaller premiums ($51.1M, $82.0M, and $4.08M, respectively) and correspondingly lower market shares.

Because the payer's premium and membership are concentrated in the Midwest, multi-state provider groups operating across broader regions (Northeast, Southeast, West, Southwest) will see limited exposure to this payer outside the Upper Midwest. For regional hospital systems and physician groups in Wisconsin, the payer represents a major counterparty and should be a primary focus for contracting strategy and network inclusion discussions.

Estimated Members by State

The geographic distribution of estimated members for UNIVERSITY HLTH CARE & GUNDERSEN LUT is highly concentrated in Wisconsin, which accounts for over 358,000 members. This is a direct reflection of the payer's strong market share and premium volume in the state. Illinois and Minnesota follow with 11,835 and 7,969 members respectively, while Iowa has a much smaller footprint with only 612 estimated members.

This member concentration aligns closely with the payer's market share rank and premium written in each state. Wisconsin is the clear anchor market, both in terms of share and member volume, while other states represent secondary or tertiary markets. For providers, this means that contracting strategies and care delivery models should be tailored primarily to the Wisconsin population, with adjustments for the smaller, more dispersed member bases in Illinois, Minnesota, and Iowa. The geographic concentration also suggests that network adequacy and access standards will be most critical in Wisconsin, with less impact in the other states due to their limited member counts.

OpenPayer

Payer Overview

University Hlth Care & Gundersen Lut Market Analysis: Market Share and Coverage by State

Payer Overview

Premium by Scope

National Market Presence

Estimated Member Demographics

State-by-State Market Position

Estimated Members by State