Washington Benefits Benchmarks
Real plan data from verified employers in your state
Employee Benefits in Washington
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 826 employers in Washington offering 2,479 verified benefit plans. PPO plans are the most common (46% of employers), followed by HDHP (36%). Fully-Insured funding is the predominant model, used by 60% of state employers. Most employers offer three or more plan options to employees (55%).
Medical plan benchmarks include deductibles, copays, coinsurance, out-of-pocket maximums, and employer contribution rates.
| In-Network Benefits | Limited | Balanced | Robust |
|---|---|---|---|
| Individual Deductible | $2,600 | $2,083 | $612 |
| Family Deductible | $5,120 | $3,686 | $1,800 |
| Individual OOP Max | $6,718 | $4,592 | $3,563 |
| Family OOP Max | $12,515 | $8,915 | $6,474 |
| Coinsurance | 29% | 18% | 11% |
| Primary Care | $50 | $33 | $25 |
| Specialist | $74 | $61 | $38 |
| Emergency Room | $476 | $354 | $185 |
| Urgent Care | $96 | $72 | $58 |
| Inpatient Hospital | $655 | $517 | $292 |
| Outpatient Hospital | $332 | $254 | $117 |
| Lab & X-ray | $44 | $32 | $3 |
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| Employee Contributions | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $280 | $213 | $150 |
| Employee + Spouse | $675 | $512 | $419 |
| Employee + Child(ren) | $521 | $474 | $376 |
| Family | $942 | $771 | $580 |
| Gross Premium Rates | Limited | Balanced | Robust |
|---|---|---|---|
| Employee Only | $850 | $771 | $636 |
| Employee + Spouse | $1,776 | $1,561 | $1,270 |
| Employee + Child(ren) | $1,466 | $1,243 | $1,059 |
| Family | $2,360 | $2,032 | $1,836 |
| Prescriptions | Limited | Balanced | Robust |
|---|---|---|---|
| Generic | $19 | $10 | $6 |
| Preferred Brand | $58 | $47 | $30 |
| Non-Preferred Brand | $98 | $76 | $52 |
| Specialty | $289 | $192 | $135 |
Plan Type Mix
LivePlan Funding
LivePlans Offered
LiveWashington Benefits Landscape
Regional trends and benchmarking considerations
Washington employers, heavily influenced by the technology sector, offer benefits reflecting intense competition for engineering and professional talent. Our benchmarking data shows Washington employers typically provide richer plan designs with higher employer contributions than national averages.
Key Highlights
Tech Sector Influence
Technology employers set benefits expectations that influence the broader Washington market in our data.
Richer Plan Designs
Washington employers typically show lower deductibles and higher employer contributions than national medians.
Benchmarking Considerations
Washington benefits are heavily influenced by technology sector standards. Consider your industry when benchmarking—tech typically shows richer patterns than other sectors.
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