Michigan Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Michigan
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 921 employers in Michigan offering 2,628 verified benefit plans. HDHP plans are the most common (39% of employers), followed by PPO (34%). Fully-Insured funding is the predominant model, used by 66% of state employers. Most employers offer three or more plan options to employees (52%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,620 | $1,603 | $656 |
| Family Deductible | $5,872 | $4,094 | $1,208 |
| Individual OOP Max | $6,462 | $5,168 | $3,755 |
| Family OOP Max | $12,630 | $11,008 | $7,242 |
| Coinsurance | 26% | 21% | 12% |
| Primary Care | $48 | $39 | $23 |
| Specialist | $71 | $50 | $42 |
| Emergency Room | $440 | $288 | $178 |
| Urgent Care | $98 | $76 | $53 |
| Inpatient Hospital | $692 | $552 | $284 |
| Outpatient Hospital | $329 | $251 | $114 |
| Lab & X-ray | $47 | $20 | $1 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $288 | $222 | $172 |
| Employee + Spouse | $659 | $557 | $448 |
| Employee + Child(ren) | $520 | $431 | $368 |
| Family | $924 | $725 | $553 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $845 | $760 | $640 |
| Employee + Spouse | $1,683 | $1,463 | $1,236 |
| Employee + Child(ren) | $1,444 | $1,252 | $1,074 |
| Family | $2,359 | $1,990 | $1,773 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $19 | $15 | $6 |
| Preferred Brand | $59 | $42 | $28 |
| Non-Preferred Brand | $94 | $80 | $51 |
| Specialty | $278 | $198 | $113 |
Plan Type Mix
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Regional trends and benchmarking considerations
Michigan employers operate in a market heavily influenced by the automotive industry and its supplier network. Our benchmarking data shows automotive and manufacturing patterns often setting the benchmark that other Michigan employers compete against, with strong benefits standards across the state.
Key Highlights
Auto Industry Standards
Automotive and supplier benefits in our database often set competitive benchmarks that influence other Michigan employers.
Manufacturing Focus
Michigan's significant manufacturing sector creates distinct benefits expectations and standards.
Benchmarking Considerations
Michigan benefits are influenced by automotive and manufacturing industry patterns. Consider whether your workforce competes for similar talent when selecting industry filters.
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