Florida Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Florida
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 1,083 employers in Florida offering 3,339 verified benefit plans. PPO plans are the most common (40% of employers), followed by HDHP (36%). Funding approaches are mixed, with fully-insured (57%) and self-insured (32%) both common. Most employers offer three or more plan options to employees (62%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,932 | $1,447 | $928 |
| Family Deductible | $5,752 | $3,650 | $1,488 |
| Individual OOP Max | $6,635 | $4,861 | $3,717 |
| Family OOP Max | $13,770 | $10,163 | $6,218 |
| Coinsurance | 30% | 20% | 13% |
| Primary Care | $46 | $35 | $22 |
| Specialist | $69 | $58 | $42 |
| Emergency Room | $448 | $330 | $202 |
| Urgent Care | $99 | $79 | $56 |
| Inpatient Hospital | $703 | $522 | $304 |
| Outpatient Hospital | $322 | $230 | $117 |
| Lab & X-ray | $48 | $28 | $2 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $291 | $232 | $175 |
| Employee + Spouse | $666 | $564 | $439 |
| Employee + Child(ren) | $549 | $431 | $386 |
| Family | $944 | $708 | $577 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $855 | $739 | $612 |
| Employee + Spouse | $1,775 | $1,540 | $1,214 |
| Employee + Child(ren) | $1,449 | $1,271 | $1,090 |
| Family | $2,390 | $2,210 | $1,778 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $18 | $10 | $7 |
| Preferred Brand | $54 | $43 | $30 |
| Non-Preferred Brand | $91 | $76 | $55 |
| Specialty | $289 | $176 | $123 |
Plan Type Mix
LivePlan Funding
LivePlans Offered
LiveFlorida Benefits Landscape
Regional trends and benchmarking considerations
Florida employers operate in a growing, business-friendly market with moderate healthcare costs compared to northeastern states. Our benchmarking data shows Florida employers favor PPO plans with a mix of fully-insured and self-funded arrangements. The state's diverse economy and influx of businesses relocating from higher-cost states creates dynamic benefits competition.
Key Highlights
Moderate Premium Costs
Florida premium rates in our database fall between high-cost northeastern states and lower-cost southern/midwestern markets.
Growing Self-Funding
Our data shows increasing self-funded adoption as companies relocating to Florida bring more sophisticated benefits strategies.
Competitive Pressure
The influx of employers from higher-cost states is raising benefits expectations, driving more competitive offerings.
Benchmarking Considerations
Florida benefits vary by industry. Healthcare, financial services, and technology employers typically show richer plans than hospitality or retail. Filter by industry for more relevant benchmarks.
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