North Carolina Medical/Rx Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in North Carolina
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 754 employers in North Carolina offering 2,359 verified benefit plans. PPO plans are the most common (43% of employers), followed by HDHP (40%). Funding approaches are mixed, with fully-insured (48%) and self-insured (42%) both common. Most employers offer three or more plan options to employees (58%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
North Carolina plan design & cost benchmarks
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $736 $2,035 $2,744 | $2,03552Bal |
| Family Deductible | $1,360 $2,786 $5,400 | $2,78652Bal |
| Individual OOP Max | $3,614 $4,419 $6,782 | $4,41952Bal |
| Family OOP Max | $6,883 $10,240 $12,963 | $10,24052Bal |
| Coinsurance | 11% 17% 28% | 17%52Bal |
| Primary Care | $20 $36 $45 | $3652Bal |
| Specialist | $43 $60 $74 | $6052Bal |
| Emergency Room | $174 $359 $494 | $35952Bal |
| Urgent Care | $54 $77 $98 | $7752Bal |
Unlock the full benchmarks
Real plan-design and cost benchmarks for north carolina, 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 North Carolina 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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North Carolina Benefits Landscape
Regional trends and benchmarking considerations
North Carolina employers operate in one of the fastest-growing state economies, with strong technology and financial services sectors driving benefits competition. Our benchmarking data shows North Carolina transitioning from traditional southern patterns toward more competitive offerings as these sectors expand.
Key Highlights
Tech Sector Influence
Technology employers in our database increasingly show benefits patterns similar to other tech hubs, with richer plan designs.
Financial Services Presence
The concentration of banking and financial services employers drives competitive benefits in this sector.
Benchmarking Considerations
North Carolina benefits vary significantly by industry. Technology and financial services show richer patterns than other sectors. Use industry filters when benchmarking.
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