North Carolina 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 629 employers in North Carolina offering 2,006 verified benefit plans. PPO plans are the most common (44% of employers), followed by HDHP (39%). Funding approaches are mixed, with fully-insured (51%) and self-insured (39%) both common. Most employers offer three or more plan options to employees (57%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,744 | $2,035 | $736 |
| Family Deductible | $5,400 | $2,786 | $1,360 |
| Individual OOP Max | $6,782 | $4,419 | $3,614 |
| Family OOP Max | $12,963 | $10,240 | $6,883 |
| Coinsurance | 28% | 17% | 11% |
| Primary Care | $45 | $36 | $20 |
| Specialist | $74 | $60 | $43 |
| Emergency Room | $494 | $359 | $174 |
| Urgent Care | $98 | $77 | $54 |
| Inpatient Hospital | $704 | $569 | $336 |
| Outpatient Hospital | $326 | $216 | $118 |
| Lab & X-ray | $42 | $20 | $3 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $300 | $203 | $179 |
| Employee + Spouse | $678 | $510 | $411 |
| Employee + Child(ren) | $533 | $469 | $381 |
| Family | $910 | $770 | $629 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $843 | $730 | $600 |
| Employee + Spouse | $1,692 | $1,587 | $1,213 |
| Employee + Child(ren) | $1,421 | $1,308 | $1,050 |
| Family | $2,345 | $2,128 | $1,824 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $18 | $12 | $6 |
| Preferred Brand | $59 | $40 | $28 |
| Non-Preferred Brand | $98 | $82 | $57 |
| Specialty | $287 | $190 | $136 |
Plan Type Mix
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LiveNorth 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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