Arizona Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Arizona
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 544 employers in Arizona offering 1,796 verified benefit plans. PPO plans are the most common (43% of employers), followed by HDHP (41%). Funding approaches are mixed, with fully-insured (53%) and self-insured (40%) both common. Most employers offer three or more plan options to employees (64%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,756 | $1,999 | $648 |
| Family Deductible | $5,264 | $3,230 | $1,136 |
| Individual OOP Max | $6,206 | $4,582 | $3,250 |
| Family OOP Max | $13,821 | $9,741 | $6,973 |
| Coinsurance | 28% | 17% | 11% |
| Primary Care | $45 | $37 | $22 |
| Specialist | $73 | $51 | $38 |
| Emergency Room | $447 | $320 | $150 |
| Urgent Care | $98 | $81 | $59 |
| Inpatient Hospital | $692 | $571 | $256 |
| Outpatient Hospital | $333 | $261 | $128 |
| Lab & X-ray | $48 | $22 | $5 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $282 | $221 | $169 |
| Employee + Spouse | $642 | $571 | $408 |
| Employee + Child(ren) | $549 | $478 | $385 |
| Family | $950 | $702 | $550 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $888 | $720 | $600 |
| Employee + Spouse | $1,701 | $1,427 | $1,310 |
| Employee + Child(ren) | $1,466 | $1,176 | $1,067 |
| Family | $2,385 | $2,015 | $1,796 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $18 | $15 | $6 |
| Preferred Brand | $59 | $39 | $27 |
| Non-Preferred Brand | $99 | $71 | $59 |
| Specialty | $285 | $173 | $102 |
Plan Type Mix
LivePlan Funding
LivePlans Offered
LiveArizona Benefits Landscape
Regional trends and benchmarking considerations
Arizona employers operate in a rapidly growing market with moderate healthcare costs and business-friendly regulations. Our benchmarking data shows Arizona benefits evolving as the state attracts employers from higher-cost states, bringing more sophisticated benefits expectations and raising competitive standards.
Key Highlights
Growth Market Effect
Companies relocating from higher-cost states often bring richer benefits expectations, raising the competitive bar.
Cost Advantage
Arizona premium rates in our database remain below California and other coastal states, providing employer cost advantages.
Benchmarking Considerations
Arizona benefits are evolving as the market grows. Healthcare, technology, and financial services employers typically show richer patterns. Use industry filters for relevant comparisons.
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