Dental Benefits

Florida Dental Benefits Benchmarks

Real dental plan data from verified employers in your state

Live Data
1,290Employers
1,426Plans
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Source-verified plan dataReal plans, not surveysContinuously updated
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Employee Benefits in Florida

Dental plan benchmarks from verified employer data

Live Data

Dental plans typically feature predictable costs and high employee participation rates, making them a staple of most benefit packages.

Our database includes 1,290 employers in Florida offering 1,426 verified benefit plans. DPPO plans dominate, offered by 90% of employers. Fully-Insured funding is the predominant model, used by 80% of state employers. Most employers offer one plan to employees (52%).

Dental benchmarks cover preventive care coverage, basic and major service cost-sharing, and annual maximums.

1,290 employers1,426 verified plansUpdated September 2026
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Florida plan design & cost benchmarks

In-Network Cost Sharing — sample layout
In-Network Benefits
LimitedBalancedRobust
Your Plan
Individual Deductible
$35
$57
$65
$5752Bal
Family Deductible
$79
$121
$175
$12152Bal
Annual Maximum
$1,146
$1,676
$2,301
$1,67652Bal
Ortho Lifetime Maximum
$1,062
$1,648
$1,998
$1,64852Bal
Preventive Coverage
84%
92%
99%
92%52Bal
Basic Coverage
71%
74%
80%
74%52Bal
Major Coverage
51%
56%
60%
56%52Bal

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Real plan-design and cost benchmarks for florida, with percentile rankings and exportable data.

What's inside the full report
In-Network Cost Sharing

Deductibles, copays, coinsurance & out-of-pocket maximums

Employee Contributions

Monthly employee premium contributions by tier

Gross Premium Rates

Total monthly premium costs by coverage tier

Percentile rankings (25th / 50th / 75th)
Benchmarked against verified plans
Exportable to PDF & CSV

Plan Type Mix

% of employers offering each

LIVE
DPPO90%
DMO10%

Plan Funding

% of employers by funding

LIVE
Fully-Insured80%
Self-Insured17%
Level-Funded2%

Plans Offered

% of employers by plan count

LIVE
One Plan52%
Two Plans41%
Three or More Plans7%
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See What You'll Discover

Our reports reveal exactly where your plan stands, and why. Preview using sample Florida data.

72
Balanced
Sample Report
Sample PPO Gold 1500
Blue Cross Blue Shield · PPO

This plan aligns well with common market practices. Benefits and costs are competitive, providing reliable value that meets typical employer offerings in your segment.

Based on 847 comparable plans
Core Scoring Drivers
In-Network Cost Sharing78Robust

Deductibles and copays rank above market median, offering strong value to employees.

Employee Contributions65Balanced

Contribution levels are competitive with peer employers in your industry.

Premium Rates71Balanced

Gross premiums align with market expectations for comparable coverage.

Plan Types
PPO
42%
HDHP
31%
HMO
18%
POS
9%

% of employers

Plans Offered
2 Plans
38%
3 Plans
29%
1 Plan
22%
4+ Plans
11%

% of employers

Funding Types
Fully Insured: 58%
Self-Funded: 34%
Level-Funded: 8%
Top Performers

Features in top 25% of peers

Individual Deductible82Robust
In-Network Cost Sharing
Primary Care Copay79Robust
In-Network Cost Sharing
Generic Rx Copay77Robust
Prescription Drugs
Individual OOP Max76Robust
In-Network Cost Sharing
Under Performers

Features in bottom 25% of peers

Family Premium18Low
Gross Premium Rates
EE+Spouse Contribution21Low
Employee Contributions
Specialist Copay24Low
In-Network Cost Sharing
Actionable Insight

Family Premium ranks in the 18th percentile. Adjusting employer contribution strategy could improve retention without significant cost increases.

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Florida 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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Frequently Asked Questions

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Detailed benchmarks, industry breakdowns, and exportable data

DPPO vs DMO Breakdowns
Coinsurance by Service Type
Out-of-Network Benefits
Preventive, Basic, Major, & Ortho
Verified Data OnlyUpdated WeeklyExportable