New Jersey Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in New Jersey
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 634 employers in New Jersey offering 1,910 verified benefit plans. PPO plans are the most common (36% of employers), followed by HDHP (36%). Funding approaches are mixed, with fully-insured (56%) and self-insured (36%) both common. Most employers offer three or more plan options to employees (59%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,976 | $2,017 | $676 |
| Family Deductible | $5,192 | $3,926 | $1,776 |
| Individual OOP Max | $6,373 | $5,293 | $3,134 |
| Family OOP Max | $12,656 | $10,682 | $7,280 |
| Coinsurance | 29% | 18% | 10% |
| Primary Care | $46 | $32 | $25 |
| Specialist | $68 | $50 | $42 |
| Emergency Room | $438 | $319 | $188 |
| Urgent Care | $98 | $80 | $57 |
| Inpatient Hospital | $660 | $541 | $302 |
| Outpatient Hospital | $334 | $240 | $121 |
| Lab & X-ray | $46 | $25 | $0 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $277 | $247 | $174 |
| Employee + Spouse | $700 | $544 | $429 |
| Employee + Child(ren) | $548 | $422 | $373 |
| Family | $909 | $771 | $553 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $866 | $736 | $618 |
| Employee + Spouse | $1,773 | $1,437 | $1,216 |
| Employee + Child(ren) | $1,473 | $1,194 | $1,041 |
| Family | $2,354 | $2,015 | $1,842 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $17 | $13 | $7 |
| Preferred Brand | $56 | $38 | $31 |
| Non-Preferred Brand | $92 | $78 | $56 |
| Specialty | $284 | $228 | $135 |
Plan Type Mix
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Regional trends and benchmarking considerations
New Jersey employers face high healthcare costs similar to neighboring New York, but with somewhat more flexibility in plan design. Our benchmarking data shows New Jersey employers offering competitive benefits to attract talent, driving above-average contribution strategies across industries.
Key Highlights
High Premium Environment
New Jersey premium rates rank among the highest in our national database, second only to New York in many categories.
Pharmaceutical Industry
New Jersey's concentration of pharmaceutical companies influences benefits expectations, with pharma typically offering richer plans.
Benchmarking Considerations
New Jersey employers compete for talent regionally. The pharmaceutical and financial services sectors typically show richer plans than other industries in our data.
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