Construction Heavy Civil Engineering Benefits Benchmarks

Real plan data from verified employers in your industry

Live Data
207Employers
514Plans
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Construction Heavy Civil Engineering Employee Benefits Overview

Medical plan benchmarks from verified employer data

Live Data

Medical benefits typically represent the largest share of employer benefit spending and are a key factor in employee recruitment and retention.

Our database includes 207 construction heavy civil engineering employers offering 514 verified benefit plans. PPO plans are the most common (48% of employers), followed by HDHP (33%). Funding approaches are mixed, with fully-insured (59%) and self-insured (27%) both common. Most employers offer three or more plan options to employees (43%).

Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.

207 employers514 verified plansUpdated February 2026

Plan Type Mix

LIVE
PPO48%
HDHP33%
HMO9%
EPO7%

Plan Funding

LIVE
Fully-Insured59%
Self-Insured27%
Level-Funded14%

Plans Offered

LIVE
Three or More Plans43%
One Plan29%
Two Plans28%
In-Network Benefits
LimitedBalancedRobust
Your Plan
Individual Deductible
$668
$1,591
$2,888
$1,59152Bal
Family Deductible
$1,912
$3,518
$5,264
$3,51852Bal
Individual OOP Max
$3,282
$4,477
$6,206
$4,47752Bal
Family OOP Max
$7,536
$10,643
$13,552
$10,64352Bal
Coinsurance
14%
20%
27%
20%52Bal
Primary Care
$22
$33
$49
$3352Bal
Specialist
$37
$50
$69
$5052Bal
Emergency Room
$153
$366
$432
$36652Bal
Urgent Care
$54
$78
$94
$7852Bal

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Also Included in Report
Employee Contributions
Monthly employee premium contributions by tier
Gross Premium Rates
Total monthly premium costs by coverage tier
Prescription Drug Coverage
Rx copays, deductibles, and mail-order options
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Our reports reveal exactly where your plan stands—and why. Preview using sample construction heavy civil engineering data.

72
Balanced
Sample Report
Sample PPO Gold 1500
Blue Cross Blue Shield · PPO

This plan aligns well with common market practices. Benefits and costs are competitive, providing reliable value that meets typical employer offerings in your segment.

Based on 847 comparable plans
Core Scoring Drivers
In-Network Cost Sharing78Robust

Deductibles and copays rank above market median, offering strong value to employees.

Employee Contributions65Balanced

Contribution levels are competitive with peer employers in your industry.

Premium Rates71Balanced

Gross premiums align with market expectations for comparable coverage.

Plan Types
PPO
42%
HDHP
31%
HMO
18%
POS
9%

% of employers

Plans Offered
2 Plans
38%
3 Plans
29%
1 Plan
22%
4+ Plans
11%

% of employers

Funding Types
Fully Insured: 58%
Self-Funded: 34%
Level-Funded: 8%
Top Performers

Features in top 25% of peers

Individual Deductible82Robust
In-Network Cost Sharing
Primary Care Copay79Robust
In-Network Cost Sharing
Generic Rx Copay77Robust
Prescription Drugs
Individual OOP Max76Robust
In-Network Cost Sharing
Under Performers

Features in bottom 25% of peers

Family Premium18Low
Gross Premium Rates
EE+Spouse Contribution21Low
Employee Contributions
Specialist Copay24Low
In-Network Cost Sharing
Actionable Insight

Family Premium ranks in the 18th percentile. Adjusting employer contribution strategy could improve retention without significant cost increases.

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