Top Blogs
1
2
3
4
5
6
7
8
9
10
1
2
3
4
5
Latest
2026 Benefits State of the Union: Vision Benefits
2026 Benefits State of the Union: Dental Benefits
2026 Benefits State of the Union: Self-Funding & Plan Funding Strategies
Product Updates, June 2026
2026 Benefits State of the Union - Health Savings Accounts: Utilization & Funding Levels
1
2
3
4
5
Product Updates
Product Updates, June 2026
June's product updates are here, and there's a lot to be excited about. We're continuing to build on the foundation we've established across Catalyst and Insights benchmarking, with this month's updates focused on giving users more precision in how they search, prospect, and manage data.
Author:
June 2, 2026

June's product updates are here, and there's a lot to be excited about. We're continuing to build on the foundation we've established across Catalyst and Insights benchmarking, with this month's updates focused on giving users more precision in how they search, prospect, and manage data.

‍

On the Catalyst side, that means expanded AI assistant capabilities, more flexible export controls, and deeper CRM customization. For benchmarking, we've added AI-powered recommendations and made meaningful improvements to the report experience, including how you access completed reports and how data flows through the submission wizard.

‍

Read on for the full details.

‍

Catalyst

  • Proximity-Based Geographic Search — The AI assistant now supports radius-based company searches around a city, so territory prospecting works the way territories actually do — not just by state, city, or zip.
  • Product Line Gap Queries — Ask the AI assistant which product lines — Stop Loss, EAP, Voluntary, TPA — an employer has or is missing. Cross-sell identification now happens in a conversation, not a spreadsheet.
  • Headcount Milestone Flags — The AI assistant can surface employers who've recently crossed key thresholds: 50, 100, 500 employees. Growth signals and compliance triggers, surfaced automatically.
  • Flexible Export Range Selection — When exporting data, users can now choose the current page, a page range, or a specific record count. Providing precise control without bumping into system limits.
  • Experience Mod Data on Account View — Experience Modification data now appears directly on the Company Overview and Commercial P&C tab, so risk context is right there when you need it.
  • Custom CRM Field Mapping — Account admins can now map platform fields to custom CRM fields, including custom schemas. Providing full control over how data flows in without overwriting existing records.
  • Retirement Search: Total Assets Filter — The Retirement Search Assets filter now filters on Total Assets.

 

Insights+

  • AI-Powered Recommendations in Insights+ Users can now access AI-generated recommendations directly within Insights+. The new recommendations tool surfaces actionable guidance across four categories. Highest Impact, Cost Strategy, Coverage Gaps, and Underwriter Notes, giving users a faster path from report data to next steps.
  • Completion Email Links to HTML Report — When your report is ready, the notification email now links directly to the interactive HTML report including Mployer AI and all report tools, instead of a PDF download.
  • Redesigned Chart Layout — Plan Score and Cohort Market Data sections are now clearly differentiated, and Dental and Vision pages consolidate their left-side tables. Easier to read, faster to interpret.
  • Report Opens Without Losing Your Place — Clicking a company name in the Request History Grid now opens the HTML report in a new tab, so your search state stays exactly where you left it.
  • Rate Availability Edits No Longer Clear Rate Data — Adjusting Rate Availability selections mid-wizard no longer wipes Medical, Dental, or Vision rate and contribution data previously entered. No more lost work.
  • Age-Banded Entry Hidden When Not Applicable — When 'Use employee contributions only' is selected, Age-Banded rate entry is no longer shown — cleaner form, fewer distractions.

‍

That's a wrap! Stay tuned for what's coming next month.

Categories
401(k) & Retirement
Compliance & Policy
DEI
Economy
Employee Benefits
Employer Cost Management
Financial Benefits
Health Insurance Trends
Terms
401k
Broker
COBRA
Disability Insurance
Insurance Company
Insurance Process
Insurance Types
Key Terms
Legal Cases
LTC Insurance
Medicare
MEWA
New Terms
Social Security
Types of Insurance
Medical Benefits
Employee Medical Benefits Summary Pennsylvania
How do your benefits compare to other companies in Pennsylvania?
Author:

Providing high-quality, cost-effective medical benefits for employees is a crucial element of any total compensation package. There are roughly 5,900,000 people covered by healthcare in Pennsylvania, whether you work for Comcast or Steelworkers Union.

The Affordable Care Act (ACA) stipulates that if you have more than 50 workers in the state of Pennsylvania, you must provide health insurance to them. Because this may be accomplished in a variety of ways, we've broken down how it works for both small businesses (1-50 employees) and big businesses (51 or more employees).


Small Employer Guide to Medical Benefits

Cost & Coverage

Among the 222,000 small employers in Pennsylvania representing over 937,000 employees, 66% provide access to medical benefits, while 66% of employees take advantage of the benefit. On average, if you’re a small employer in Pennsylvania, the employer covers an average of 79% for single employees and 73% for families, which costs the small employer approximately $478 each month for individuals and $1273 for families. The employee also has to pay a monthly amount which totals out to $126 for a single employee and $464 for a family on average. A family individual component can range from $307 at the 25th percentile to $684 at the 75th percentile.

Plan Design

For small employers, 21% pick a high deductible health plan, 18% choose an HMO, and 38% select a PPO. These various plan types provide a wide range of coverage depending on the network, which may include one or more PCPs, specialists, and hospitals.

‍

Tax Advantaged Accounts

In Pennsylvania, 29% of employers offer a Health Savings Account (HSA), and 44% offer a healthcare Flexible Spending Account (FSA) to assist employees in managing their costs and pay effectively. Either option is an excellent method to help workers save money on medical expenditures while lowering the employer's costs.

Dental and Vision

When deciding whether or not to join your company's comprehensive employee benefits package, be sure to evaluate any dental or vision perks. Dental benefits are available from 43% of small employers, whereas only 32% offer vision. This is considerably lower than the 77% that take advantage of dental coverage and the 75% that take advantage of vision coverage among big businesses.

Large Employer Guide to Medical Benefits

Cost & Coverage

The 116,000 large employers in Pennsylvania provide medical coverage to over 5,043,000 individuals across the state. Larger employers, in general, are able to provide most comprehensive medical coverage for their employees. The percentage of employees at large employers in Pennsylvania that take advantage of this benefit is 73%. Large Pennsylvania employers cover an average of 81% of the monthly premium for single employees and 81% of the premium for families. This equates to an employer cost of $542 per month for a single person and $1572 for a family. For the employees, this equates to an average of $123 per month for single employees and $361 for families, with costs ranging from $88 each month for a family at the 25th percentile and $176 for a family at the 75th percentile. If you are lucky, 14.5% of large Pennsylvania employers cover all medical expenses for single individuals and 11.4% for families.

Plan Design & Cost

Depending on the characteristics of your staff, you may choose from a variety of plan types. 43% of Pennsylvanian employees chose to participate in PPO plans, 19% opted for an HMO, and 35% picked a High Deductible Health Plan (HDHP). The difference in plan type determines the extent of insurance coverage available at medical offices and clinics. It also has an impact on copays, deductibles, and other elements.

Tax Advantaged Accounts

Providing employees with tax-advantaged methods to manage their medical expenses is an important aspect of a well-rounded comprehensive benefits package. How can you accomplish this? Flexible Spending Accounts (FSA), also known as Caboodle Accounts, and Health Savings Accounts (HSA) are popular options. An HSA is available in 49% of big businesses in Pennsylvania, while an FSA may be found in 68% of employers.

Dental & Vision

Larger organizations have a greater offering rate than small companies when it comes to dental and vision plans. In the state of Pennsylvania, 67% of large employers provide dental coverage and 82% make use of the benefit, whereas 48% offer vision insurance and 75% utilize the benefit.

Medical Benefits Considerations

Choosing a broker to design health insurance benefits for your plan type is an important decision, whether you're a small or large business in Pennsylvania. If you want a list of businesses in your area that specialize in medical benefits, contact Mployer Advisor now.


‍

Medical Benefits
Employee Medical Benefits Summary Rhode Island
How do your benefits compare to other companies in Rhode Island?
Author:

Medical benefits are important for a well-rounded employee compensation package. In the state of Rhode Island, there are approximately 600,000 people who have health insurance coverage, whether you work for a company like Citizens Financial Group or an oceanside boutique.

If an organization has more than 50 employees, the Affordable Care Act (ACA) requires them to provide health insurance. This can be achieved in a variety of ways. As a result, we have divided out what medical benefits look like for both small businesses (1-50 people) and large enterprises (51+ people).

Small Employer Guide to Medical Benefits

Cost & Coverage

Among Rhode Island small employers, 68% provide access to medical benefits for their employees, and 65% of employees take full advantage of the offering. With 29,200 small employers in Rhode Island representing over 110,000 employees, the employer covers an average of 75% for single employees and 70% for families. From this, the employer pays approximately $483 each month for an individual and $1321 for a family. The employee also has a monthly premium to pay, which costs $160 for a single employee and $561 for a family. The individual family component can cost $366 at the 25th percentile to $721 at the 75th percentile.

Plan Design

When it comes to choosing a health plan, 21% of individuals select a high deductible health plan, 18% choose an HMO, and 38% select a PPO. Having several plan options allows for coverage alternatives that range from a restricted network with access to only certain PCPs, specialists, and hospitals to an open network with worldwide accessibility.


‍

Tax Advantaged Accounts

Rhode Island small employers may assist and manage costs by providing tax-optimizing health savings accounts (HSAs) or healthcare flexible spending accounts (FSAs). HSAs are offered by 33% of Rhode Island small businesses, while FSAs are available by 44%. Both options are fantastic ways for small companies to help their employees budget for medical bills in the most cost-effective manner possible.

Dental and Vision

Dental coverage is provided by 40% of small companies, whereas only 14% provide vision benefits, which is considerably lower than that offered by big businesses. This is a significant sought-after advantage considering that 76% of employees utilize dental benefits and 78% use vision benefits. As a result, both dental and eye care are essential services for employers when choosing their comprehensive health insurance package.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 12,000 large employers in the state of Rhode Island, medical coverage is provided to over 519,000 individuals. However, the monthly premium they cover varies. For individuals, large Rhode Island employers cover 78% of the monthly premium while also paying 78% of the premium for families. Larger employers are generally able to provide many comprehensive medical benefits, which is understandable, and 71% of individuals take advantage of this benefit when offered. With a large percentage of the monthly premium covered by the employer, this equates to an average of $547 per month for single employees and $1630 for families paid for by the employer. On the employee side, this will cost an average of $158 per month for individuals and $454 for families, with costs ranging anywhere from $105 each month for a family at the 25th percentile and $193 for a family at the 75th percentile, however, if you work for a few select Rhode Island large employers, 5.7% cover all medical expenses for single individuals, and 3.6% cover all expenses for families.

Plan Design & Cost

Depending on the employee demographics, plan types can be selected for a variety of reasons. In Rhode Island, 43% of workers opted to join a PPO plan, 19% chose an HMO, and 35% selected a High Deductible Health Plan (HDHP). The difference in plan type affects the amount of coverage employees receive at doctors and other medical facilities. It also influences copayment rates, deductibles, and other aspects.

Tax Advantaged Accounts

It's critical to give workers options for managing their medical expenses tax-wise. The Flexible Spending Account (FSA) and Health Savings Account (HSA) are two of the most common methods. 53% of large Rhode Island employers offer an HSA, while 71% provide an FSA to their employees.

Dental & Vision

Large companies, on average, have a greater variety of dental and vision plan choices than small businesses. Largae employers in Rhode Island offer dental plans to their workers 64% of the time, with 81% taking advantage of that option. 31% of larger businesses offer vision coverage while 78% take advantage of it.

Medical Benefits Considerations

If you want assistance in selecting a top medical insurance broker that focuses on your region, contact Mployer Advisor right now. Whether you're a small or big business in Rhode Island, choosing a broker is a significant choice.


‍

Medical Benefits
Employee Medical Benefits Summary South Carolina
How do your benefits compare to other companies in South Carolina?
Author:

Medical benefits are an essential component of a complete compensation package. Providing high-quality, cost-effective medical insurance to employees is a crucial aspect of a total compensation package. In South Carolina, around 1,400,000 individuals are covered by healthcare, whether you work for Prisma Health or Milliken & Company.

The Affordable Care Act (ACA) requires that if an organization has fifty or more employees, it must provide health insurance to its staff. This may be done in a variety of ways. As a result, we've divided out what medical benefits look like for both small businesses (1-50 workers) and big businesses (51+ people).


Small Employer Guide to Medical Benefits

Cost & Coverage

There are 62,000 small employers across South Carolina, representing over 257,000 employees. Benefit plans range from the bare minimum to comprehensive employer coverage. 68% of South Carolina employers provide access to medical benefits, with 64% taking advantage of the benefit. For small employers in South Carolina, the employer covers an average of 77% for single employees and 62% for families. This costs the small employer approximately $448 each month for an individual and $1072 for a family. The employee then has to pay a monthly amount as well, which comes out to be $133 for an individual and $652 for a family. To understand the ranges, a family's individual component can range from $388 at the 25th percentile to $828 at the 75th percentile.

Plan Design

For small businesses, 17% select a high deductible health plan, 9% choose an HMO, and 48% choose a PPO when selecting a plan design. Having several plan kinds to pick from allows for coverage options ranging from a restricted network with access to limited PCPs, specialists, and hospitals to an open network with access to a variety of physicians and hospitals.

‍

Tax Advantaged Accounts

Healthcare Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) can assist small employers in South Carolina to assist their workers in managing their expenses and pay effectively. 36% of South Carolina's small businesses have an HSA, while 44% offer an FSA. Both are fantastic methods to help employees manage medical costs without costing the employer much money.

Dental and Vision

34% of small businesses provide dental benefits and only 21%  provide vision coverage, which is lower than large employers. When offered, 75% take advantage of dental coverage and 73% opt for vision benefits. Offering coverage for both types of health care may be a significant differentiator for employers when it comes to year-end benefits options.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 33,000 large employers in the state of South Carolina, medical coverage is provided to over 1,235,000 individuals. However, the monthly premium they cover varies. For individuals, large South Carolina employers cover 79% of the monthly premium while also paying 70% of the premium for families. Larger employers are generally able to provide most comprehensive medical benefits, which is understandable, and 70% of individuals take advantage of this benefit when offered. With a large percentage of the monthly premium covered by the employer, this equates to an average of $508 per month for single employees and $1323 for families paid for by the employer. On the employee side, this will cost approximately $131 per month for individuals and $562 for families, with costs ranging anywhere from $84 each month for a family at the 25th percentile to $163 for a family at the 75th percentile. However, if you work for a few select South Carolina large employers, 9.0% cover all medical expenses for single individuals, and 1.8% cover all expenses for families.

Plan Design & Cost

Employee demographics can affect the plan designs. FOr South Carolina companies, 55% of workers enrolled in PPO plans, 9% in HMO plans, and 29% in High Deductible Health Plans. The type of plan affects the scope of coverage available from physicians and hospitals as well as copays, deductibles, and other considerations.

Tax Advantaged Accounts

It is critical that employers provide employees with tax-advantaged options for managing medical expenses. The Flexible Spending Account (FSA) and Health Savings Account (HSA) are two of the most popular methods, according to a survey by eHealth. 55% of large South Carolina businesses offer an HSA, while 67% provide an FSA to their workers.

Dental & Vision

Large companies generally have a greater variety of dental and vision plans than small businesses. Large South Carolina businesses provide dental plans to their employees 57% of the time, with 80% taking advantage of it, and 38% offer vision benefits, with 73% taking advantage of it.

Medical Benefits Considerations

If you want assistance selecting a top medical insurance broker in your area, contact Mployer Advisor now. Whether you're a small or large business in South Carolina, choosing a broker is a big decision.

‍

Medical Benefits
Employee Medical Benefits Summary South Dakota
How do your benefits compare to other companies in South Dakota?
Author:

Medical benefits are an important element of a complete compensation package. Providing high-quality, low-cost medical insurance for employees is a crucial component of a whole compensation package. There are approximately 200,000 individuals covered by healthcare in South Dakota, whether you work for Regional Health or Sanford Health.

The Affordable Care Act (ACA) directs employers with more than 50 people to provide medical coverage to their workers, which can be done in a variety of ways. As a result, we've divided up what comprehensive health insurance covers for both small employers (1-50 employees) and large businesses (51+ employees).

Small Employer Guide to Medical Benefits

Cost & Coverage

Among the 14,000 small employers in South Dakota representing over 57,500 employees, 68% provide access to medical benefits, while 63% of employees take advantage of the benefit. On average, if you’re a small employer in South Dakota, the employer covers 78% for single employees and 67% for families, which costs the small employer approximately $454 each month for individuals and $1182 for families. The employee also has to pay a monthly amount which totals out to $127 for a single employee and $580 for a family on average. A family individual component can range from $349 at the 25th percentile to $684 at the 75th percentile.

Plan Design

When selecting a plan, small businesses select a high deductible health plan 27% of the time, an HMO plan 7% of the time, and a PPO plan 39% of the time. Having various plan types to choose from provides coverage choices that range from a restricted network limited to specific PCPs, specialists and hospitals to an open network with access to a variety of physicians and hospitals.

‍

Tax Advantaged Accounts

In South Dakota, 42% of businesses provide a Health Savings Account (HSA) to employees, and 42% provide a healthcare Flexible Spending Account (FSA) to help them manage their costs and pay effectively. With either option, employers can assist staff in the most cost-effective way possible while still saving money.

Dental and Vision

44% of small businesses provide dental benefits, whereas only 21% offer vision, which is less than large employers. When they are given the option, about 76% of respondents take advantage of dental care and 79% utilize eye care benefits. Employers may use dental and vision as distinguishing benefit when evaluating their options for the year.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 6,000 large employers in the state of South Dakota, medical coverage is provided to over 239,000 individuals. However, the monthly premium they cover varies. For individuals, large South Dakota employers cover 80% of the monthly premium while also paying 75% of the premium for families. Larger employers are generally able to provide many comprehensive medical benefits, which is understandable, and 69% of individuals take advantage of this benefit when offered. With a large percentage of the monthly premium covered by the employer, this equates to an average of $515 per month for single employees and $1459 for families paid for by the employer. On the employee side, this will cost them an average of $125 per month for individuals and $483 for families, with costs ranging anywhere from $73 each month for a family at the 25th percentile to $145 for a family at the 75th percentile. However, if you work for a few select South Dakota large employers, 9.0% cover all medical expenses for single individuals, and 4.5% cover all expenses for families.

Plan Design & Cost

Employee demographics can impact plan designs. Looking at the entire state of South Dakota, 44% of employees are enrolled in PPO plans, 7% in HMO plans, and 46% in High Deductible Health Plans. The plan type influences the scope of coverage provided by physicians and hospitals as well as copays, deductibles, and other aspects.

Tax Advantaged Accounts

It's critical for businesses to allow staff members to manage their health-related expenditures from a tax advantage standpoint. The Flexible Spending Account (FSA) and Health Savings Account (HSA) are two of the most popular options. An HSA is available at 61% of big South Dakota employers, while an FSA is accessible at 70%.

Dental & Vision

Large employers generally have a higher rate of dental and vision plan offerings when compared to small employers. Large South Dakota employers offer dental plans to their employees 68% of the time, with 81% utilizing that option. 38% offer vision coverage, with 79% taking advantage of that option.

Medical Benefits Considerations

If you're looking for a South Dakota medical benefits insurance broker, Mployer Advisor can help you choose the best one. Whether you're a small or large employer in South Dakota, selecting an insurance broker is a critical choice.


‍

Medical Benefits
Employee Medical Benefits Summary Texas
How do your benefits compare to other companies in Texas?
Author:

Medical insurance is an important element of a complete compensation package. Providing high-quality, low-cost medical benefits for employees is a major component of a whole compensation package. Healthcare coverage is offered to approximately 9,800,000 individuals in Texas, whether you work for Insperity Holdings or Dell.

The ACA (Affordable Care Act) requires businesses with more than 50 workers to provide healthcare to their employees. This may be done in a variety of ways. As a result, we have split the medical benefits available to both small and large employers into five categories (1-50 employees, 51+ employees).


Small Employer Guide to Medical Benefits

Cost & Coverage

Among Texas small employers, 68% provide access to medical benefits for their employees, and 64% of employees take full advantage of the offering. With 365,200 small employers in Texas representing over 1,490,000 employees, the employer covers an average of 76% for single employees and 59% for families. From this, the employer pays approximately $420 each month for an individual and $994 for a family. The employee also has a monthly premium to pay, which costs $132 for a single employee and $685 for a family. The individual family component can cost anywhere from $423 at the 25th percentile to $983 at the 75th percentile.

Plan Design

For smaller employers, 17% select a high deductible health plan, 9% choose an HMO, and 48% opt for a PPO when selecting a plan design. Having several plan types to pick from allows for coverage alternatives that range from a limited network with access to certain PCPs, specialists, and hospitals to an open network with access to many physicians and hospitals.


‍

Tax Advantaged Accounts

Tax-advantaged savings accounts like Health Savings Accounts (HSAs) and healthcare Flexible Spending Accounts (FSAs) can help small businesses in Texas to assist their workers in managing expenditures and pay appropriately. Both an HSA and an FSA are fantastic methods for employees to manage their medical expenses while still saving money for the company. 39% of Texas's small employers offer an HSA, while 40% provide an FSA.

Dental and Vision

Dental and eye care perks are two of the most important elements when evaluating your comprehensive employee benefits package. Only 20% of small businesses provide vision coverage, as opposed to 31% that offer dental care. This is far less than what we observe among large businesses. When dental services are provided, 75% of employees utilize them, while 72% take advantage of vision services.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 198,000 large employers in the state of Texas, medical coverage is provided to over 8,383,000 individuals. However, the monthly premium they cover varies. For individuals, large Texas employers cover 78% of the monthly premium while also paying 67% of the premium for families. Larger employers are generally able to provide most comprehensive medical benefits, which is understandable, and 70% of individuals take advantage of this benefit when offered. With a large percentage of the monthly premium covered by the employer, this equates to an average of $476 per month for single employees and $1227 for families paid for by the employer. On the employee side, this will cost approximately $130 per month for individuals and $598 for families, with costs ranging anywhere from $86 each month for a family at the 25th percentile to $179 for a family at the 75th percentile. However, if you work for a few select Texas large employers, 11.4% cover all medical expenses for single individuals, and 1.8% cover all expenses for families.

Plan Design & Cost

Plan types may differ depending on employee demographics. In big Texas businesses, 55% of employees enrolled in PPO plans, 9% in HMO plans, and 29% in High Deductible Health Plans. Each plan type determines the extent of coverage provided by doctors and hospitals, as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

It's critical for businesses to give employees the tools they need to manage their medical expenses tax efficiently. A Flexible Spending Account (FSA) and a Health Savings Account (HSA) are two of the most popular methods for doing so. The majority of large Texas employers, 58%, offer an HSA, while 65% provide an FSA.

Dental & Vision

Large businesses, on average, have a greater variety of dental and vision plan options than small companies. Large Texas employers provide dental plans to their workers 54% of the time and 80% utilize that option. On the other hand, 37% offer vision care and 72% utilize that service.

Medical Benefits Considerations

If you're having trouble deciding between various medical insurance brokers in your area, contact Mployer Advisor immediately. Whether you're a small or large business in Texas, choosing a broker is a major choice.

‍

Medical Benefits
Employee Medical Benefits Summary New Jersey
How do your benefits compare to other companies in New Jersey?
Author:

Employee benefits such as high-quality, low-cost medical insurance are an important part of total employee compensation. Employer-sponsored healthcare covers around 300,000 individuals in New Jersey across a variety of industries, including Verizon Communications and Burlington Coat Factory Warehouse.

The Affordable Care Act (ACA) requires that you provide health benefits to your employees in New Jersey if you have more than 50 workers. We've broken down what medical benefits look like, regardless of your company size, whether you're a small employer (1-50 workers) or a large corporation (51+).

Small Employer Guide to Medical Benefits

Cost & Coverage

Among the 15,000 small employers in New Jersey representing over 62,800 employees, 66% provide access to medical benefits, while 66% of employees take advantage of the benefit. On average, if you’re a small employer in New Jersey, the employer covers 79% for single employees and 73% for families, which costs the small employer approximately $478 each month for individuals and $1273 for families. The employee also has to pay a monthly amount which totals out to $126 for a single and $464 for a family on average. A family individual component can range from $307 at the 25th percentile to $684 at the 75th percentile.

Plan Design

For small organizations, 21% select a high deductible health plan, 18% opt for an HMO, and 38% pick a PPO. Having several plan options to choose from allows for coverage alternatives that range from a restricted network with access to only specific PCPs, specialists, and hospitals to an open network with access to numerous physicians and hospitals.

‍

Tax Advantaged Accounts

Small business owners in New Jersey can help their staff save money and pay bills on time by offering tax-optimizing healthcare savings accounts (HSAs) or healthcare flexible spending accounts (FSAs). Both an HSA and an FSA are excellent ways for employees to manage their medical expenditures while lowering the employer's cost. Both an HSA and an FSA are fantastic methods for small businesses in New Jersey to assist their workers in managing their medical expenses in the most cost-effective way possible. 29% of employers in New Jersey offer an HSA, while 44% provide an FSA.

Dental and Vision

When looking at your comprehensive employee benefits package, dental and vision benefits are two of the most important features. Only 32% of small businesses provide vision coverage, whereas 43% of small enterprises provide dental benefits. This is significantly lower than what we observe among major employers (77% dental usage and 75% vision usage).

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of New Jersey, 6,000 large employers provide medical coverage to over 311,000 individuals, with 73% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, New Jersey employers cover 81% of the monthly premium for single employees and 81% of the premium for families. On the employer side, this equates to a monthly premium average of $542 per month for singles and $1572 for families. For employees, this costs an average of $123 per month for single employees and $361 for families, with costs ranging anywhere from $88 each month for a family at the 25th percentile to $176 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select New Jersey large employers, 14.5% cover all medical expenses for single individuals, and 11.4% cover all expenses for families.

Plan Design & Cost

Employee demographics can influence plan designs. 43% of enrollees at New Jersey businesses are enrolled in PPO plans, 19% are in HMO plans, and 35% are in High Deductible Health Plans. The plan type influences the extent of coverage available from doctors and hospitals, as well as copays, deductibles, and other factors.

Tax Advantaged Accounts

It's critical for employers to give employees the ability to manage their medical expenses tax-advantaged. The Flexible Spending Account (FSA) and Health Savings Account (HSA) are two of the most popular methods. An HSA is offered by 49% of large New Jersey businesses, and an FSA is offered by 68%.

Dental & Vision

Larger employers offer a wider range of dental and vision plans at a higher rate than smaller ones. In New Jersey, 67% of big companies provide dental insurance and 82% utilize the benefit, whereas 48% provide vision coverage and 75% use the benefit.

Medical Benefits Considerations

Whether you're a small or large employer in New Jersey, selecting a broker to design your plan's benefits is a crucial choice. If you want a list of employers in your region that specialize in medical plans, contact us today.


‍

Contact Us
Industry Leading Content
BlogKey Definitions
© 2026 Mployer
LinkedIn
LinkedIn
LinkedIn
Manage cookies
Legal
Privacy