Texas 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 1,998 employers in Texas offering 5,788 verified benefit plans. PPO plans are the most common (45% of employers), followed by HDHP (36%). Fully-Insured funding is the predominant model, used by 63% of state employers. 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 | 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 |
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Plan Type Mix
LIVEPlan Funding
LIVEPlans Offered
LIVESee 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.
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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.
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