Ohio Benefits Benchmarks

Real plan data from verified employers in your state

Live Data
1,438Employers
3,505Plans
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Employee Benefits in Ohio

Medical plan benchmarks from verified employer data

Live 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 1,438 employers in Ohio offering 3,505 verified benefit plans. HDHP plans are the most common (48% of employers), followed by PPO (44%). Funding approaches are mixed, with fully-insured (55%) and self-insured (39%) both common. Most employers offer three or more plan options to employees (39%).

Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.

1,438 employers3,505 verified plansUpdated February 2026
In-Network Benefits
LimitedBalancedRobust
Your Plan
Individual Deductible
$712
$2,119
$2,856
$2,11952Bal
Family Deductible
$1,056
$3,362
$5,240
$3,36252Bal
Individual OOP Max
$3,051
$4,947
$6,763
$4,94752Bal
Family OOP Max
$6,973
$9,357
$12,490
$9,35752Bal
Coinsurance
12%
19%
26%
19%52Bal
Primary Care
$26
$38
$50
$3852Bal
Specialist
$36
$54
$72
$5452Bal
Emergency Room
$208
$285
$467
$28552Bal
Urgent Care
$59
$79
$95
$7952Bal

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Also Included in Report
Employee Contributions
Monthly employee premium contributions by tier
Gross Premium Rates
Total monthly premium costs by coverage tier
Prescription Drug Coverage
Rx copays, deductibles, and mail-order options
Full report includes percentile rankings for all metrics

Plan Type Mix

LIVE
HDHP48%
PPO44%
HMO4%
POS3%

Plan Funding

LIVE
Fully-Insured55%
Self-Insured39%
Level-Funded7%

Plans Offered

LIVE
Three or More Plans39%
Two Plans38%
One Plan23%
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Our reports reveal exactly where your plan stands—and why. Preview using sample Ohio data.

72
Balanced
Sample Report
Sample PPO Gold 1500
Blue Cross Blue Shield · PPO

This plan aligns well with common market practices. Benefits and costs are competitive, providing reliable value that meets typical employer offerings in your segment.

Based on 847 comparable plans
Core Scoring Drivers
In-Network Cost Sharing78Robust

Deductibles and copays rank above market median, offering strong value to employees.

Employee Contributions65Balanced

Contribution levels are competitive with peer employers in your industry.

Premium Rates71Balanced

Gross premiums align with market expectations for comparable coverage.

Plan Types
PPO
42%
HDHP
31%
HMO
18%
POS
9%

% of employers

Plans Offered
2 Plans
38%
3 Plans
29%
1 Plan
22%
4+ Plans
11%

% of employers

Funding Types
Fully Insured: 58%
Self-Funded: 34%
Level-Funded: 8%
Top Performers

Features in top 25% of peers

Individual Deductible82Robust
In-Network Cost Sharing
Primary Care Copay79Robust
In-Network Cost Sharing
Generic Rx Copay77Robust
Prescription Drugs
Individual OOP Max76Robust
In-Network Cost Sharing
Under Performers

Features in bottom 25% of peers

Family Premium18Low
Gross Premium Rates
EE+Spouse Contribution21Low
Employee Contributions
Specialist Copay24Low
In-Network Cost Sharing
Actionable Insight

Family Premium ranks in the 18th percentile. Adjusting employer contribution strategy could improve retention without significant cost increases.

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Ohio Benefits Landscape

Regional trends and benchmarking considerations

Ohio employers benefit from moderate healthcare costs and a stable regulatory environment. Our benchmarking data shows Ohio as a bellwether market with benefits patterns often close to national averages. The state's diverse economy spans manufacturing, healthcare, financial services, and retail.

Key Highlights

National Average Proxy

Ohio benchmarks in our database often closely track national averages, making it useful for understanding typical market positioning.

Industry Diversity

Benefits patterns vary by sector—manufacturing, healthcare, and financial services each show distinct characteristics.

Benchmarking Considerations

Ohio's diverse economy means benefits vary significantly by industry. Filter by your specific sector for the most meaningful comparisons.

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Frequently Asked Questions

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Stoploss Plans and Strategues
HSA Accounts and Funding
Employer Contributions as a %
Out-of-Network Benefits
Surcharges and Opt-Outs
Rx-Carve Out Benefits
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