Medical/Rx Benefits

Healthcare Ambulatory Services Medical/Rx Benefits Benchmarks

Real plan data from verified employers in your industry

Verified Data
309Employers
968Plans
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Source-verified plan dataReal plans, not surveysRefreshed monthly
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Healthcare Ambulatory Services Employee Benefits Overview

Medical plan benchmarks from verified employer data

Verified 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 309 healthcare ambulatory services employers offering 968 verified benefit plans. PPO plans are the most common (40% of employers), followed by HDHP (35%). Fully-Insured funding is the predominant model, used by 69% of industry employers. Most employers offer three or more plan options to employees (63%).

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

309 employers968 verified plansUpdated September 2026

Plan Type Mix

% of employers offering each

VERIFIED
PPO40%
HDHP35%
HMO13%
EPO7%

Plan Funding

% of employers by funding

VERIFIED
Fully-Insured69%
Self-Insured27%
Level-Funded4%

Plans Offered

% of employers by plan count

VERIFIED
Three or More Plans63%
Two Plans24%
One Plan13%
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Healthcare Ambulatory Services plan design & cost benchmarks

In-Network Cost Sharing — sample layout
In-Network Benefits
LimitedBalancedRobust
Your Plan
Individual Deductible
$716
$1,825
$2,540
$1,82552Bal
Family Deductible
$1,408
$4,202
$5,192
$4,20252Bal
Individual OOP Max
$3,365
$5,235
$6,546
$5,23552Bal
Family OOP Max
$7,434
$10,125
$12,886
$10,12552Bal
Coinsurance
13%
23%
27%
23%52Bal
Primary Care
$25
$39
$45
$3952Bal
Specialist
$38
$61
$75
$6152Bal
Emergency Room
$168
$360
$489
$36052Bal
Urgent Care
$58
$68
$91
$6852Bal

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Real plan-design and cost benchmarks for healthcare ambulatory services, with percentile rankings and exportable data.

What's inside the full report
In-Network Cost Sharing

Deductibles, copays, coinsurance & out-of-pocket maximums

Employee Contributions

Monthly employee premium contributions by tier

Gross Premium Rates

Total monthly premium costs by coverage tier

Prescription Drug Coverage

Rx copays, deductibles & mail-order options

Percentile rankings (25th / 50th / 75th)
Live, real-time data (this preview refreshes monthly)
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See What You'll Discover

Our reports reveal exactly where your plan stands, and why. Preview using sample healthcare ambulatory services 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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