Utilities Benefits Benchmarks
Real plan data from verified employers in your industry
Utilities 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 85 utilities employers offering 265 verified benefit plans. PPO plans are the most common (39% of employers), followed by HDHP (38%). Fully-Insured funding is the predominant model, used by 63% of industry employers. Most employers offer three or more plan options to employees (58%).
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 | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,592 | $1,975 | $868 |
| Family Deductible | $5,080 | $2,798 | $1,272 |
| Individual OOP Max | $6,450 | $5,082 | $3,083 |
| Family OOP Max | $13,270 | $9,530 | $6,627 |
| Coinsurance | 26% | 22% | 12% |
| Primary Care | $46 | $31 | $21 |
| Specialist | $71 | $55 | $40 |
| Emergency Room | $471 | $275 | $169 |
| Urgent Care | $94 | $74 | $52 |
| Inpatient Hospital | $736 | $549 | $326 |
| Outpatient Hospital | $302 | $232 | $133 |
| Lab & X-ray | $40 | $31 | $2 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $290 | $245 | $163 |
| Employee + Spouse | $643 | $510 | $424 |
| Employee + Child(ren) | $526 | $479 | $364 |
| Family | $905 | $743 | $578 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $841 | $735 | $627 |
| Employee + Spouse | $1,789 | $1,463 | $1,270 |
| Employee + Child(ren) | $1,473 | $1,258 | $1,058 |
| Family | $2,385 | $2,184 | $1,799 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $18 | $13 | $8 |
| Preferred Brand | $54 | $39 | $31 |
| Non-Preferred Brand | $97 | $70 | $50 |
| Specialty | $286 | $216 | $133 |
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