Texas Medical/Rx Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Texas
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 2,625 employers in Texas offering 8,156 verified benefit plans. PPO plans are the most common (42% of employers), followed by HDHP (35%). Funding approaches are mixed, with fully-insured (55%) and self-insured (36%) both common. Most employers offer three or more plan options to employees (63%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
Texas plan design & cost benchmarks
| In-Network Benefits | LimitedBalancedRobust | Your Plan |
|---|---|---|
| Individual Deductible | $800 $1,813 $2,916 | $1,81352Bal |
| Family Deductible | $1,664 $3,962 $5,552 | $3,96252Bal |
| Individual OOP Max | $3,288 $5,130 $6,238 | $5,13052Bal |
| Family OOP Max | $7,114 $9,434 $13,130 | $9,43452Bal |
| Coinsurance | 11% 18% 28% | 18%52Bal |
| Primary Care | $22 $33 $49 | $3352Bal |
| Specialist | $39 $50 $75 | $5052Bal |
| Emergency Room | $211 $332 $464 | $33252Bal |
| Urgent Care | $54 $73 $98 | $7352Bal |
Unlock the full benchmarks
Real plan-design and cost benchmarks for texas, 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 Texas 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.
This is sample data. Get real insights for your plans.
Instant PDF delivery · Live, real-time data · Verified employer data
Texas Benefits Landscape
Regional trends and benchmarking considerations
Texas employers benefit from a business-friendly regulatory environment and lower healthcare costs compared to coastal states. Our benchmarking data shows a diverse mix of plan types and funding arrangements, with self-funding more common among larger employers. The state's industry diversity—from energy to technology to healthcare—creates varied benefits patterns across sectors.
Key Highlights
Cost Advantage
Texas employers in our database typically show lower gross premium rates than national averages, reflecting the state's lower healthcare costs.
Self-Funding Growth
Our data shows increasing self-funded plan adoption among mid-sized Texas employers, taking advantage of the state's regulatory flexibility.
PPO Dominance
PPO plans strongly dominate in Texas, with HMO penetration well below national averages in our benchmarks.
Benchmarking Considerations
Texas benefits vary significantly by industry. Energy sector employers often show different patterns than technology or healthcare. Use industry filters to benchmark against your specific sector.
Frequently Asked Questions
About texas benefits benchmarking
Explore More Benchmarks
Get the full Texas report
Detailed benchmarks, industry breakdowns, and exportable data