Education Colleges Universities Medical/Rx Benefits Benchmarks
Real plan data from verified employers in your industry
Education Colleges Universities Employee Benefits Overview
Medical benefits typically represent the largest share of employer benefit spending and are a key factor in employee recruitment and retention.
Our database includes 159 education colleges universities employers offering 463 verified benefit plans. HDHP plans are the most common (40% of employers), followed by PPO (38%). Funding approaches are mixed, with fully-insured (49%) and self-insured (46%) both common. Most employers offer three or more plan options to employees (59%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
Education Colleges Universities plan design & cost benchmarks
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $644 $1,825 $2,744 | $1,82552Bal |
| Family Deductible | $1,648 $4,142 $5,880 | $4,14252Bal |
| Individual OOP Max | $3,371 $5,014 $6,373 | $5,01452Bal |
| Family OOP Max | $7,434 $11,027 $12,976 | $11,02752Bal |
| Coinsurance | 10% 23% 28% | 23%52Bal |
| Primary Care | $23 $37 $50 | $3752Bal |
| Specialist | $41 $56 $74 | $5652Bal |
| Emergency Room | $185 $277 $435 | $27752Bal |
| Urgent Care | $52 $82 $95 | $8252Bal |
Unlock the full benchmarks
Real plan-design and cost benchmarks for education colleges universities, with percentile rankings and exportable data.
Deductibles, copays, coinsurance & out-of-pocket maximums
Monthly employee premium contributions by tier
Total monthly premium costs by coverage tier
Rx copays, deductibles & mail-order options
Plus full benchmarks for Life, Voluntary Life, Short- & Long-Term Disability, and Stop-Loss.
Plan Type Mix
% of employers offering each
Plan Funding
% of employers by funding
Plans Offered
% of employers by plan count
Education Colleges Universities Benefits Landscape
Industry trends and benchmarking considerations
Higher education institutions traditionally offer comprehensive benefits as part of total compensation, partially offsetting lower base salaries compared to private sector alternatives. Our benchmarking data shows universities typically provide multiple plan options with competitive employer contributions. Many participate in state systems or consortiums that influence plan design.
Key Trends
Multiple Plan Options
Colleges and universities in our database commonly offer three or more medical plan options, often including HMO options more prevalent than in private sector.
Higher Employer Contributions
Educational institutions typically show above-average employer contribution rates, reflecting benefits as a key recruitment tool.
Public vs Private Variation
Public universities often participate in state employee health plans, while private institutions have more flexibility in plan design.
Benchmarking Considerations
Higher education benefits vary significantly between public and private institutions. State university systems may have standardized benefits with limited flexibility. Consider institution type when evaluating benchmarks.
Related Industries
Frequently Asked Questions
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