New Jersey Medical/Rx 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 731 employers in New Jersey offering 2,289 verified benefit plans. PPO plans are the most common (36% of employers), followed by HDHP (36%). Funding approaches are mixed, with fully-insured (51%) and self-insured (39%) both common. Most employers offer three or more plan options to employees (61%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
New Jersey plan design & cost benchmarks
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $676 $2,017 $2,976 | $2,01752Bal |
| Family Deductible | $1,776 $3,926 $5,192 | $3,92652Bal |
| Individual OOP Max | $3,134 $5,293 $6,373 | $5,29352Bal |
| Family OOP Max | $7,280 $10,682 $12,656 | $10,68252Bal |
| Coinsurance | 10% 18% 29% | 18%52Bal |
| Primary Care | $25 $32 $46 | $3252Bal |
| Specialist | $42 $50 $68 | $5052Bal |
| Emergency Room | $188 $319 $438 | $31952Bal |
| Urgent Care | $57 $80 $98 | $8052Bal |
Unlock the full benchmarks
Real plan-design and cost benchmarks for new jersey, 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
Plan Type Mix
% of employers offering each
Plan Funding
% of employers by funding
Plans Offered
% of employers by plan count
See What You'll Discover
Our reports reveal exactly where your plan stands, and why. Preview using sample New Jersey data.
This plan aligns well with common market practices. Benefits and costs are competitive, providing reliable value that meets typical employer offerings in your segment.
Deductibles and copays rank above market median, offering strong value to employees.
Contribution levels are competitive with peer employers in your industry.
Gross premiums align with market expectations for comparable coverage.
% of employers
% of employers
Features in top 25% of peers
Features in bottom 25% of peers
Family Premium ranks in the 18th percentile. Adjusting employer contribution strategy could improve retention without significant cost increases.
This is sample data. Get real insights for your plans.
Instant PDF delivery · Live, real-time data · Verified employer data
New Jersey Benefits Landscape
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.
Compare Nearby States
Frequently Asked Questions
About new jersey benefits benchmarking
Explore More Benchmarks
Get the full New Jersey report
Detailed benchmarks, industry breakdowns, and exportable data