Illinois Medical/Rx Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Illinois
Medical benefits typically represent the largest share of employer benefit spending and are a key factor in employee recruitment and retention.
Our database includes 1,291 employers in Illinois offering 4,313 verified benefit plans. PPO plans are the most common (42% of employers), followed by HDHP (38%). Fully-Insured funding is the predominant model, used by 62% of state employers. Most employers offer three or more plan options to employees (68%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
Illinois plan design & cost benchmarks
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $708 $1,663 $2,908 | $1,66352Bal |
| Family Deductible | $1,408 $3,926 $5,136 | $3,92652Bal |
| Individual OOP Max | $3,045 $5,187 $6,872 | $5,18752Bal |
| Family OOP Max | $6,986 $9,376 $13,578 | $9,37652Bal |
| Coinsurance | 11% 22% 29% | 22%52Bal |
| Primary Care | $25 $35 $47 | $3552Bal |
| Specialist | $42 $51 $72 | $5152Bal |
| Emergency Room | $207 $372 $491 | $37252Bal |
| Urgent Care | $52 $74 $96 | $7452Bal |
Unlock the full benchmarks
Real plan-design and cost benchmarks for illinois, 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
Plus full benchmarks for Life, Voluntary Life, Short- & Long-Term Disability, and Stop-Loss.
Plan Type Mix
% of employers offering each
Plan Funding
% of employers by funding
Plans Offered
% of employers by plan count
Illinois Benefits Landscape
Regional trends and benchmarking considerations
Illinois employers offer benefits reflecting a mature, diverse economy. Our benchmarking data shows competitive plan designs with above-average employer contributions. The state's mix of corporate headquarters, manufacturing, and healthcare creates varied patterns across industries.
Key Highlights
Multiple Plan Options
Illinois employers commonly offer three or more medical plan options, providing employee choice across PPO and HDHP designs.
Competitive Contributions
Employer contribution rates in Illinois typically meet or exceed national averages in our benchmarks.
Industry Diversity
Benefits patterns vary significantly by sector—manufacturing, financial services, and healthcare each show distinct characteristics in our data.
Benchmarking Considerations
Illinois benefits vary by industry sector. Manufacturing employers may show different patterns than financial services or technology. Use industry filters to find the most relevant comparison set.
Frequently Asked Questions
About illinois benefits benchmarking
Learn How Benchmarking Works
Understand what the Illinois numbers mean and how to put them to work.
How Much Do Employers Contribute to Health Insurance?
Typical employer contribution rates for single and family coverage, and how they vary by size, industry, and region.
What Is Employee Benefits Benchmarking?
The fundamentals of comparing your benefits against the market: what to measure and how to read a benchmark.
Benefits Benchmarking Tools, Compared
Survey data versus verified plan data, subscription versus a-la-carte, and how to pick the right tool.
How We Validate Data
How verified plan documents become benchmark-grade data you can put in front of a client.
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