Colorado Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Colorado
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 1,035 employers in Colorado offering 3,124 verified benefit plans. PPO plans are the most common (40% of employers), followed by HDHP (39%). Funding approaches are mixed, with fully-insured (50%) and self-insured (35%) both common. Most employers offer three or more plan options to employees (56%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,648 | $1,885 | $972 |
| Family Deductible | $5,432 | $4,082 | $1,824 |
| Individual OOP Max | $6,405 | $4,458 | $3,787 |
| Family OOP Max | $13,808 | $10,374 | $6,371 |
| Coinsurance | 27% | 22% | 13% |
| Primary Care | $47 | $39 | $26 |
| Specialist | $68 | $51 | $36 |
| Emergency Room | $451 | $286 | $194 |
| Urgent Care | $93 | $78 | $54 |
| Inpatient Hospital | $747 | $522 | $300 |
| Outpatient Hospital | $328 | $230 | $122 |
| Lab & X-ray | $47 | $22 | $8 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $287 | $230 | $175 |
| Employee + Spouse | $664 | $581 | $403 |
| Employee + Child(ren) | $523 | $467 | $363 |
| Family | $925 | $732 | $568 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $846 | $775 | $647 |
| Employee + Spouse | $1,692 | $1,462 | $1,223 |
| Employee + Child(ren) | $1,498 | $1,284 | $1,072 |
| Family | $2,427 | $1,993 | $1,742 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $19 | $15 | $6 |
| Preferred Brand | $54 | $43 | $30 |
| Non-Preferred Brand | $100 | $81 | $58 |
| Specialty | $289 | $174 | $116 |
Plan Type Mix
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LiveColorado Benefits Landscape
Regional trends and benchmarking considerations
Colorado employers compete in a market transformed by rapid population and business growth. Our benchmarking data shows Colorado benefits evolving toward more competitive offerings as technology companies and corporate relocations intensify talent competition across the state.
Key Highlights
Tech Sector Growth
Colorado's growing technology sector drives increasingly competitive benefits in our data, particularly for HDHP with HSA options.
Competitive Talent Market
Rapid growth and business relocations are raising benefits expectations across industries.
Benchmarking Considerations
Colorado benefits vary by industry. Technology employers typically show richer patterns than other sectors. Use industry filters for the most relevant comparisons.
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