Ohio Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Ohio
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 1,356 employers in Ohio offering 3,417 verified benefit plans. HDHP plans are the most common (48% of employers), followed by PPO (44%). Funding approaches are mixed, with fully-insured (54%) and self-insured (40%) both common. Most employers offer three or more plan options to employees (41%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,856 | $2,119 | $712 |
| Family Deductible | $5,240 | $3,362 | $1,056 |
| Individual OOP Max | $6,763 | $4,947 | $3,051 |
| Family OOP Max | $12,490 | $9,357 | $6,973 |
| Coinsurance | 26% | 19% | 12% |
| Primary Care | $50 | $38 | $26 |
| Specialist | $72 | $54 | $36 |
| Emergency Room | $467 | $285 | $208 |
| Urgent Care | $95 | $79 | $59 |
| Inpatient Hospital | $742 | $557 | $252 |
| Outpatient Hospital | $305 | $249 | $138 |
| Lab & X-ray | $46 | $19 | $2 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $294 | $245 | $167 |
| Employee + Spouse | $687 | $594 | $411 |
| Employee + Child(ren) | $540 | $456 | $373 |
| Family | $875 | $713 | $572 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $862 | $706 | $653 |
| Employee + Spouse | $1,766 | $1,470 | $1,239 |
| Employee + Child(ren) | $1,476 | $1,271 | $1,018 |
| Family | $2,384 | $2,040 | $1,808 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $18 | $14 | $6 |
| Preferred Brand | $56 | $40 | $29 |
| Non-Preferred Brand | $97 | $79 | $51 |
| Specialty | $276 | $196 | $120 |
Plan Type Mix
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LiveOhio 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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