Direct Health and Medical Insurance Carriers in Pennsylvania

Direct Health and Medical Insurance Carriers (NAICS 524114) in Pennsylvania reports 50,768 workers across 347 establishments, with $4.8B of aggregate annual payroll flowing through Census CBP 2023 filings. That represents 8.0% of national employment for this industry, a concentration ratio that tells you whether Pennsylvania is a primary labor market for this NAICS code or a smaller satellite. A share above 5% signals a meaningful regional cluster; below 1% usually means the state is not a structural fit for this industry at scale. Pennsylvania accounts for 5.6% of the national Direct Health and Medical Insurance Carriers establishment count (347 of 6,147), according to Census County Business Patterns.

Wage benchmarking is where state-level data earns its keep. The average annual compensation for Direct Health and Medical Insurance Carriers employees in Pennsylvania is $93,868/yr, versus a national average of $96,365/yr. Pennsylvania pays below the national average for this industry, common in lower cost-of-living states or where the industry has a smaller, less specialized local workforce.

Profitability data is only available at the national level because the IRS Statistics of Income program does not publish state-level margin breakdowns. The national net profit margin for Direct Health and Medical Insurance Carriers is not reported, and while margins do vary by state, the direction of variance usually follows labor cost and establishment size, both shown above. For a complete picture, pair this state-industry view with the Direct Health and Medical Insurance Carriers national page (entity structure, SBA lending, sub-industries) and the Pennsylvania overview (top employers, payroll dispersion across industries).