Colorado Medical/Rx 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 1,131 employers in Colorado offering 3,380 verified benefit plans. PPO plans are the most common (40% of employers), followed by HDHP (40%). Funding approaches are mixed, with fully-insured (46%) and self-insured (36%) both common. 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.
Colorado plan design & cost benchmarks
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $972 $1,885 $2,648 | $1,88552Bal |
| Family Deductible | $1,824 $4,082 $5,432 | $4,08252Bal |
| Individual OOP Max | $3,787 $4,458 $6,405 | $4,45852Bal |
| Family OOP Max | $6,371 $10,374 $13,808 | $10,37452Bal |
| Coinsurance | 13% 22% 27% | 22%52Bal |
| Primary Care | $26 $39 $47 | $3952Bal |
| Specialist | $36 $51 $68 | $5152Bal |
| Emergency Room | $194 $286 $451 | $28652Bal |
| Urgent Care | $54 $78 $93 | $7852Bal |
Unlock the full benchmarks
Real plan-design and cost benchmarks for colorado, with percentile rankings and exportable data.
Deductibles, copays, coinsurance & out-of-pocket maximums
Monthly employee premium contributions by tier
Total monthly premium costs by coverage tier
Rx copays, deductibles & mail-order options
Plan Type Mix
% of employers offering each
Plan Funding
% of employers by funding
Plans Offered
% of employers by plan count
See What You'll Discover
Our reports reveal exactly where your plan stands, and why. Preview using sample Colorado data.
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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Colorado 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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Frequently Asked Questions
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