Findings Report

Healthcare Benefits

In a world changed by a global pandemic, it’s more important than ever for companies to take care of their employees with comprehensive health benefits. Year after year, people-driven companies of all sizes continue to offer a full range of healthcare and welfare benefits to their employees. In this report, we dive deep into the topics and metrics that are driving the conversation.

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Costs & Budget

Employee healthcare typically represents one of the top expenses for any company, and juggling those costs can present challenges as they build competitive benefits programs. Understanding whether you’re spending too little or too much compared to your competitors is essential to staying on budget and attracting talent. On average, we found that the total annual cost per employee for medical, dental, and vision coverage was over $12,000 in 2021, but that number shifts as companies scale.

View Chart:
Medical
Dental
Vision

Contributions

Companies are continuing to bear the vast majority of the cost of healthcare, especially for employee-only coverage. Contribution levels vary by plan type and company size, but HDHPs with HSAs are consistently covered at 100% for employees, likely due to the associated employer savings when employees choose these plans. 

View Chart:
Employee
Employee + Family

Plan Design

Properly designing medical, dental, and vision plans can be complex. Depending on the plan type, companies opt for different amounts for deductibles, copays, and out-of-pocket maximums. Our data has revealed the most popular ways companies are designing their plans. Explore the most common plan designs for medical, dental, and vision below.

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PPO
HDHP with HSA
Kaiser
Other HMOs
EPO
Dental
Vision

Self-Insurance

As companies grow to over 500 employees, we start to see a shift towards self funding of healthcare and income protection benefit programs. Why do some companies make the switch from fully insured programs? Many report that it’s due to financial savings and flexibility. 

View Chart:
By Company Size
Motivations

Specialized Care Benefits

Offering additional benefit provisions and programs has become increasingly important for companies to attract and retain talent. While a majority of all companies offer telemedecine and chiropractic coverage, large companies are much more likely to offer specialized acupuncture, Transgender-inclusive, and advanced fertility benefits. 

View Chart:
Benefits Offered
By Company Size
Over Time

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