Financial Insurance Benefits Benchmarks
Real plan data from verified employers in your industry
Financial Insurance Employee Benefits Overview
Medical plan benchmarks from verified employer 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 139 financial insurance employers offering 380 verified benefit plans. HDHP plans are the most common (42% of employers), followed by PPO (37%). Funding approaches are mixed, with fully-insured (54%) and self-insured (42%) both common. Most employers offer three or more plan options to employees (48%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
Plan Type Mix
LIVEPlan Funding
LIVEPlans Offered
LIVE| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $692 $1,489 $2,816 | $1,48952Bal |
| Family Deductible | $1,224 $3,314 $5,352 | $3,31452Bal |
| Individual OOP Max | $3,352 $4,419 $6,603 | $4,41952Bal |
| Family OOP Max | $7,101 $10,451 $12,592 | $10,45152Bal |
| Coinsurance | 14% 19% 30% | 19%52Bal |
| Primary Care | $24 $33 $49 | $3352Bal |
| Specialist | $37 $57 $69 | $5752Bal |
| Emergency Room | $159 $336 $461 | $33652Bal |
| Urgent Care | $50 $71 $94 | $7152Bal |
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This plan aligns well with common market practices. Benefits and costs are competitive, providing reliable value that meets typical employer offerings in your segment.
Deductibles and copays rank above market median, offering strong value to employees.
Contribution levels are competitive with peer employers in your industry.
Gross premiums align with market expectations for comparable coverage.
% of employers
% of employers
Features in top 25% of peers
Features in bottom 25% of peers
Family Premium ranks in the 18th percentile. Adjusting employer contribution strategy could improve retention without significant cost increases.
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Financial Insurance Benefits Landscape
Industry trends and benchmarking considerations
Insurance companies bring unique expertise to employee benefits as both providers and consumers of coverage. Our data shows insurance carriers typically self-fund their own employee plans and offer sophisticated plan designs. As employers who understand risk pooling intimately, their benefits strategies often serve as industry benchmarks.
Key Trends
Self-Funding Expertise
Insurance carriers in our database overwhelmingly self-fund, leveraging their actuarial expertise to optimize plan design and cost.
Comprehensive Ancillary Benefits
Life and disability coverage tends to be more generous at insurance companies, often exceeding benchmarks in other financial services segments.
Benchmarking Considerations
Insurance industry benchmarks should distinguish between carrier types. Life insurers, P&C carriers, and health insurers may show different benefits philosophies in our data.
Related Industries
Frequently Asked Questions
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