New York Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in New York
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 1,031 employers in New York offering 3,102 verified benefit plans. PPO plans are the most common (36% of employers), followed by HDHP (33%). Fully-Insured funding is the predominant model, used by 65% of state employers. Most employers offer three or more plan options to employees (62%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $584 $1,501 $2,880 | $1,50152Bal |
| Family Deductible | $1,000 $2,786 $5,552 | $2,78652Bal |
| Individual OOP Max | $3,582 $4,496 $6,245 | $4,49652Bal |
| Family OOP Max | $6,192 $10,394 $12,605 | $10,39452Bal |
| Coinsurance | 12% 18% 28% | 18%52Bal |
| Primary Care | $25 $37 $48 | $3752Bal |
| Specialist | $35 $60 $70 | $6052Bal |
| Emergency Room | $205 $329 $456 | $32952Bal |
| Urgent Care | $52 $71 $91 | $7152Bal |
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Plan Type Mix
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Our reports reveal exactly where your plan stands—and why. Preview using sample New York 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.
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New York Benefits Landscape
Regional trends and benchmarking considerations
New York employers operate in one of the most heavily regulated state insurance markets, with community rating requirements and mandated benefits that influence plan design. Our benchmarking data shows New York employers face significantly higher premium costs than national averages. Employer contribution strategies often absorb more of this cost to remain competitive for talent.
Key Highlights
Highest Premium Costs
New York consistently shows the highest or near-highest gross premium rates in our national database, driven by state regulations and healthcare market dynamics.
Generous Employer Contributions
To offset high premiums, New York employers typically contribute above-average percentages, particularly for employee-only coverage.
Regulatory Complexity
State-mandated benefits and community rating rules limit plan design flexibility, resulting in more standardized offerings across employers.
Benchmarking Considerations
New York benefits reflect the state's unique regulatory environment. Financial services and healthcare employers typically offer richer plans than other sectors. Use industry filters to find relevant comparisons.
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