Construction Specialty Trade Benefits Benchmarks
Real plan data from verified employers in your industry
501
Employers
1,289
Plans
Plan Type Mix
LivePPO41%
HDHP33%
HMO13%
EPO7%
Plan Funding
LiveFully-Insured68%
Self-Insured18%
Level-Funded13%
Plans Offered
LiveThree or More Plans48%
Two Plans28%
One Plan24%
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,508 | $1,705 | $608 |
| Family Deductible | $5,512 | $3,326 | $1,904 |
| Individual OOP Max | $6,923 | $4,890 | $3,666 |
| Family OOP Max | $13,514 | $10,221 | $7,472 |
| Coinsurance | 30% | 21% | 10% |
| Primary Care | $44 | $35 | $21 |
| Specialist | $70 | $53 | $41 |
| Emergency Room | $451 | $342 | $213 |
| Urgent Care | $98 | $76 | $59 |
| Inpatient Hospital | $742 | $559 | $278 |
| Outpatient Hospital | $333 | $248 | $145 |
| Lab & X-ray | $50 | $26 | $6 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $283 | $218 | $159 |
| Employee + Spouse | $675 | $581 | $453 |
| Employee + Child(ren) | $528 | $431 | $362 |
| Family | $921 | $721 | $588 |
Available in full report
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $856 | $746 | $648 |
| Employee + Spouse | $1,800 | $1,578 | $1,315 |
| Employee + Child(ren) | $1,420 | $1,242 | $1,058 |
| Family | $2,394 | $2,064 | $1,749 |
Available in full report
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $17 | $14 | $5 |
| Preferred Brand | $54 | $43 | $29 |
| Non-Preferred Brand | $93 | $76 | $58 |
| Specialty | $271 | $206 | $128 |
Available in full report
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