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2026 Benefits State of the Union: Vision Benefits
2026 Benefits State of the Union: Dental Benefits
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Product Updates, June 2026
2026 Benefits State of the Union - Health Savings Accounts: Utilization & Funding Levels
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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.

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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.

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Read on for the full details.

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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.

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

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

Medical benefits for workers are an important part of a comprehensive compensation package. Healthcare coverage is available to roughly 1,100,000 individuals in the state of Iowa, whether you work for companies like Casey's General Stores or Hearthside Food Solutions.

The Affordable Care Act (ACA) requires employers that have more than 50 workers in Iowa to provide health insurance. Because this may be achieved in a variety of ways, we've broken it down for both small businesses (1-50 employees) and big businesses (51 or more employees).

Small Employer Guide to Medical Benefits

Cost & Coverage

There are 41,000 small businesses in Iowa with a combined 170,000 employees. Benefit plans range from the absolute minimum to comprehensive employer coverage. The percentage of Iowa employers that provide medical benefits is 68%, with 63% taking advantage of the opportunity. For small businesses in Iowa, the employer pays an average of 78% for single workers and 67% for families. The average cost of an individual's premium is $454 per month. A family's overall cost is about $1182 each month when you include the employer's share. The employee then has to pay a monthly sum in addition, which averages out to around $454 for individuals and $1182 for families. To get an idea of the ranges, consider a family's individual component, which may range from $349 at the 25th percentile to $684 at the 75th percentile.

Plan Design

From a plan design standpoint, for small businesses, 27% of workers select a high deductible health plan, 7% pick an HMO, and 39% choose a PPO. These several plan kinds enable various ranges of coverage, ranging from a restricted network with limited access to PCPs, specialists, and hospitals to an open network that gives you access to a variety of doctors and hospitals.

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Tax Advantaged Accounts

In Iowa, 42% of businesses provide a Health Savings Account (HSA) and a healthcare Flexible Spending Account (FSA) to assist employees in managing their costs and pay according to their budget. With little cost to the employer, either choice is an excellent method for employees to maximize medical expenses in the most effective way possible.

Dental and Vision

When evaluating your total employee benefits package, dental and vision advantages are critical components. Dental coverage is accessible by 44% of small businesses, while only 21% of small employers provide eye care. This is far lower than what we observe among major employers. Employees participate in dental or vision plans at a rate of 76% and 79%, respectively.

Large Employer Guide to Medical Benefits

Cost & Coverage

Over 972,000 individuals in Iowa have medical coverage through the state's 23,000 large employers. Larger employers, in particular, are able to provide most comprehensive medical coverage to their employees. For single workers, the proportion of people working for big businesses in Iowa who utilize this benefit is 69%. Large companies in Iowa cover on average 80% of the monthly fee for single employees and 75% of the family premium. The average monthly cost for a single person is $515, while that of a family is $1459. For employees, this translates to a monthly cost of around $515 for individuals and $1459 for families, ranging from $73 per month for a family at the 25th percentile to $145 each month for a family at the 75th percentile. 9.0% of Iowa's major employers provide complete medical coverage for single workers, and 4.5% provide complete coverage for families.

Plan Design & Cost

Employee demographics can affect your plan designs. The proportion of employees who enroll in PPO plans is 44%, HMO plans is 7%, and 46% for High Deductible Health Plans. The plan type determines the range of coverage available with each healthcare provider and facility, as well as copays, deductibles, and other aspects.

Tax Advantaged Accounts

When it comes to big businesses in Iowa, 61% provide a Health Savings Account (HSA) and 70% provide a Flexible Spending Account (FSA). Both an FSA and an HSA are essential elements of tax-advantaged medical expense management for employees.

Dental & Vision

Larger employers offer a higher offering rate than smaller businesses when it comes to dental and vision plans. In Iowa, 68% of large employers provide dental coverage, while 81% take advantage of the benefit, and 38% offer vision insurance while 79% utilize the benefit.

Medical Benefits Considerations

When it comes to medical benefits, choosing a broker to design a package for your plan type is a critical decision, whether you're a small or big business in Iowa. If you would like a list of brokers in your area that specialize in medical benefits, contact Mployer Advisor immediately.


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

Medical benefits can make up a significant part of a whole compensation package. Providing high-quality, low-cost medical coverage for employees is an important aspect of a total compensation package. There are roughly 1.4 million people covered by healthcare in Maryland, whether you work for Marriott International or Medstar Health.

If you have more than 50 workers in Maryland, the ACA (Affordable Care Act) requires that you provide healthcare to your staff. Because this can be achieved in a variety of ways, we've divided it up based on small businesses (1-50 employees) and large businesses (51 or more employees).

Small Employer Guide to Medical Benefits

Cost & Coverage

There are 59,000 small employers across Maryland, representing over 245,000 employees. Benefit plans range from the bare minimum to comprehensive employer coverage. 68% of Maryland employers provide access to medical benefits, with 64% taking advantage of them. For small employers in Maryland, the employer covers an average of 77% for single employees and 62% for families. This costs the small employer on average $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 single employees and $652 for families. 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 employers, there are a variety of design options for company networks. 17% of employees select high deductible health plans, 9% select an HMO, and 48% pick a PPO. Having numerous plan types to pick from allows for various levels of coverage. This may be obtained with a restricted network that includes only certain PCPs, specialists, and hospitals or an open network that provides access to many doctors and hospitals.

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Tax Advantaged Accounts

In Maryland, 36% of businesses provide a Health Savings Account (HSA) and 44% a Healthcare Flexible Spending Account (FSA) to assist employees in managing their expenses. With either choice, employers may help their staff spend money efficiently while saving them money at the same time.

Dental and Vision

34% of small employers provide dental and vision benefits, whereas only 21% offer dental coverage, which is far less than that of big businesses. This is a significant benefit since 75% utilize dental services and 73% use vision services. As a result, both dental care and vision treatment are important offerings for employers when selecting their comprehensive benefits package.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Maryland, 29,000 large employers provide medical coverage to over 1,240,000 individuals, with 70% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Maryland employers cover 79% of the monthly premium for single employees and 70% of the premium for families. On the employer side, this equates to a monthly premium average of $508 per month for singles and $1323 for families. For employees, this costs an average of $131 per month for single employees 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’re lucky enough to work with a few select Maryland large employers, 9.0% cover all medical expenses for single individuals, and 1.8% cover all expenses for families.

Plan Design & Cost

Plan designs might differ depending on employee demographics. In Maryland, 55% of employees join up for PPO plans, 9% for HMO plans, and 29% for High Deductible Health Plans. The plan type has an influence on the breadth of care provided by physicians and hospitals, as well as copays, deductibles, and other details.

Tax Advantaged Accounts

55% of Maryland's major businesses offer a Health Savings Account (HSA) while 67% provide a Flexible Spending Account (FSA). When assisting clients in managing their medical expenditures from a tax-advantaged standpoint, both an FSA and an HSA are essential components.

Dental & Vision

Large businesses, on average, provide more dental and vision plan options than small employers. Large Maryland businesses provide dental plans to their workers 57% of the time, with 80% utilizing that option, and 38% offering vision plans with 73% taking advantage of those services.

Medical Benefits Considerations

Whether you're a small or large company in Maryland, choosing a benefits consultant to design your health plan is crucial. Mployer Advisor can provide you with a list of businesses in your region that specialize in medical benefits if you want one.


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

Medical insurance is a necessary component of a complete compensation package. Providing high-quality, low-cost medical benefits to staff is an important element of any compensation program. There are approximately 1,500,000 people covered by healthcare in Louisiana, whether you work for Amedisys or Johnson's Alligator Tours.

The Affordable Care Act (ACA) requires employers with more than 50 employees to provide health insurance to their employees. This may be accomplished in a number of ways. As a result, we've divided out the medical benefits available to both small businesses (1-50 workers) and big businesses (51 or more).

Small Employer Guide to Medical Benefits

Cost & Coverage

There are 64,000 small employers across Louisiana, representing over 280,200 employees. Benefit plans range from the bare minimum to comprehensive employer coverage. 68% of Louisiana employers provide access to medical benefits, with 64% taking advantage of the benefit. For small employers in Louisiana, the employer coveras an average of 76% for single employees and 59% for families. This costs the small employer approximately $420 each month for an individual and $994 for a family. The employee then has to pay a monthly amount as well, which comes out to be $132 for single employees and $685 for families. To understand the ranges, a family's individual component can range from $423 at the 25th percentile to $983 at the 75th percentile.

Plan Design

17% of employees working for small employers choose a high deductible health plan, 9% pick an HMO, and 48% select a PPO. These various plan types provide different levels of coverage depending on the network offered.

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Tax Advantaged Accounts

Small employers in Louisiana may benefit their staff by providing tax-optimizing plans like Health Savings Accounts (HSAs) or Healthcare Flexible Spending Accounts (FSAs). Both an HSA and an FSA are excellent methods to help workers manage their medical costs in the most cost-effective manner possible while also saving money for the employer. There are 39% of Louisiana's small businesses that offer an HSA and 40% that provide a cafeteria plan.

Dental and Vision

31% of small employers provide dental benefits, whereas just 20% do so for vision, which is far lower than what big corporations offer. This is a significant sought-after benefit since 75% utilize dental care and 72% use vision care. As a result, both dental and vision are important offerings for employers when choosing their comprehensive insurance package.

Large Employer Guide to Medical Benefits

Cost & Coverage

Amongst 35,000 large employers in the state of Louisiana, medical coverage is provided to over 1,291,000 individuals. However, the monthly premium they cover varies. For individuals, large Louisiana employers cover 78% of the monthly premium while also paying 67% of the premium for families. Larger employers are generally able to provide many 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 an average of $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 Louisiana large employers, 11.4% cover all medical expenses for single individuals, and 1.8% cover all expenses for families.

Plan Design & Cost

Plan types differ depending on employee demographics. For large Louisiana businesses, 55% enroll in PPO plans, 9% in HMO plans, and 29% in High Deductible Health Plans. The plan type influences the scope of coverage provided by doctors and hospitals as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

Providing employees with methods to handle their medical expenditures tax-advantaged is an important aspect of a well-rounded whole benefits package. What are your options? Flexible Spending Accounts (FSA) and a Health Savings Account (HSA) are popular options. An HSA is a health savings plan that allows you to contribute money on an after-tax basis to pay for qualified medical expenses. In Louisiana, 58% of large businesses provide an HSA, while 65% offer a Flexible Spending Account to their workers.

Dental & Vision

Large businesses, on average, have a greater number of dental and vision plan options than small businesses. In Louisiana, large employers provide dental plans to their workers 54% of the time, and 80% take advantage of that option, while 37% offer vision plans and 72% take advantage of that opportunity.

Medical Benefits Considerations

When it comes to choosing a benefit provider for your plan type, you should prioritize this decision, whether you're a small or large employer in Louisiana. If you want a list of businesses in your area that specialize in medical benefits, contact Mployer Advisor now.


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

Benefiting from high-quality, cost-effective medical insurance for employees is an important aspect of total compensation. Employer-sponsored healthcare covers approximately 600,000 people in Kansas across various sectors, including companies such as Sprint and Cargill Meat Solutions.

If you have over 50 workers in the state of Kansas, the Affordable Care Act (ACA) requires that you provide health insurance to your staff. Because this might be achieved in a variety of ways, we've divided it into two categories: small employers (1-50 employees) and large businesses (51 or more).


Small Employer Guide to Medical Benefits

Cost & Coverage

There are 25,000 small employers across Kansas, representing over 107,300 employees. Benefit plans range from the bare minimum to comprehensive employer coverage. 68% of Kansas employers provide access to medical benefits, with 63% taking advantage of the benefit. For small employers in Kansas, the employer covers an average of 78% for single employees and 67% for families. This costs the small employer approximately $454 each month for an individual and $1182 for a family. The employee then has to pay a monthly amount as well, which comes out to be $127 for single employees and $580 for families. To understand the ranges, a family's individual component can range from $349 at the 25th percentile to $684 at the 75th percentile.

Plan Design

Small businesses can build plans in a variety of ways. 27% of workers pick high-deductible health plans, 7% select an HMO, and 39% choose a PPO. Having several plan types to select from allows for a wide range of coverage options. This might be done through a restricted network that includes only certain PCPs, specialists, and hospitals, or it may be done through an open network that gives access to many doctors and hospitals.

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Tax Advantaged Accounts

Small employers can assist their workers in managing costs and pay correctly by offering tax-optimizing plans like Health Savings Accounts (HSAs) or Healthcare Flexible Spending Accounts (FSAs). Both an HSA and an FSA are fantastic methods for employees to manage their medical expenditures in the most effective way while also saving money for the business. There are 42% of Kansas' small businesses that offer an HSA, as well as 42% that provide an FSA.

Dental and Vision

Dental coverage is provided by 44% of small businesses, whereas only 21% provide vision benefits, which is far less than large businesses. This is a highly valued benefit since 76% take advantage of dental care and 79% utilize vision care. As a result, when selecting the broad range of perks offered by employers, dental and vision are two key services.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Kansas, 14,000 large employers provide medical coverage to over 517,000 individuals, with 69% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Kansas employers cover 80% of the monthly premium for single employees and 75% of the premium for families. On the employer side, this equates to a premium average of $515 per month for singles and $1459 for families. For employees, this costs an average of $125 per month for single employees and $483 for families, with costs ranging anywhere from $73 each month for a family at the 25th percentile and $145 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select Kansas large employers, 9.0% cover all medical expenses for single individuals, and 4.5% cover all expenses for families.

Plan Design & Cost

Plan designs differ depending on employee characteristics. In a sample of Kansas businesses, 44% of employees enrolled in PPO plans, 7% in HMO plans, and 46% in High Deductible Health Plans. The plan type has an effect on the range of coverage available from physicians and hospitals as well as copays, deductibles, and other elements.

Tax Advantaged Accounts

When it comes to big employers in Kansas, 61% have a Health Savings Account (HSA) and 70% have a Flexible Spending Account (FSA). Both an FSA and HSA are essential elements in assisting employees with their medical bills while maintaining their tax benefits.

Dental & Vision

Large employers generally have a greater variety of dental and vision benefits than small businesses. Large Kansas businesses make dental plans available to their workers 68% of the time, and 81% take advantage of it. 38% provide vision services, and 79% utilize that option.

Medical Benefits Considerations

If you want assistance in selecting a top healthcare insurance broker that specializes in medical benefits in your region, contact Mployer Advisor right away. Whether you're a small or large company in Kansas, choosing a broker is an important decision.


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

Medical benefits are an important component of a complete compensation package. Providing high-quality, cost-effective medical insurance to employees is a vital part of every total compensation package. There are approximately 3,200,000 individuals insured by healthcare in Massachusetts, whether you work for Raytheon Company or Boston Pediatrics.

Under the Affordable Care Act, if an organization has more than 50 employees, it must provide health insurance to its workers. This may be accomplished in a variety of ways. As a result, we have divided out what medical benefits look like for both small businesses (1-50 workers) and large enterprises (51 or more employees).

Small Employer Guide to Medical Benefits

Cost & Coverage

Among the 124,000 small employers in Massachusetts representing over 505,400 employees, 68% provide access to medical benefits, while 65% of employees take advantage of the benefit. On average, small employers in Massachusetts cover 75% for single employees and 70% for families, which costs the small employer an average of $483 each month for individuals and $1321 for families. The employee also has to pay a monthly cost which totals out to $160 for a single employee and $561 for a family. A family individual component can range from $366 at the 25th percentile to $721 at the 75th percentile.

Plan Design

When selecting a plan design, 21% of small employer enrollees choose a high deductible health plan, 18% select an HMO, and 38% select a PPO. Having several plan types to pick from allows for coverage choices ranging from a restricted network that includes only certain PCPs, specialists, and hospitals to an open network with access to numerous physicians and hospitals.

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Tax Advantaged Accounts

Small companies in Massachusetts might help their staff save money and pay bills promptly by providing tax-optimizing arrangements such as Health Savings Accounts (HSAs) or Healthcare Flexible Spending Accounts (FSAs). Both an HSA and an FSA are fantastic methods for workers to manage their medical expenditures in the most cost-effective way possible while maintaining profitability. 33% of all small businesses in Massachusetts provide an HSA, while 44% provide an FSA.

Dental and Vision

When evaluating your whole employee benefits package, dental and vision advantages are two of the most important perks. Dental benefits are provided by 40% of small businesses, whereas just 14% provide vision care. This is significantly lower than what we see among large corporations (where dental and vision benefits are available). Employees take advantage of dental services at a rate of 76%, while they utilize eyesight testing at a rate of 78%.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Massachusetts, 55,000 large employers provide medical coverage to over 2,746,000 individuals, with 71% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Massachusetts employers cover 78% of the monthly premium for single employees and 78% of the premium for families. On the employer side, this equates to a monthly premium average of $547 per month for singles and $1630 for families. For employees, this costs an average of $158 per month for single employees and $454 for families, with costs ranging anywhere from $105 each month for a family at the 25th percentile to $193 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select Massachusetts large employers, 5.7% cover all medical expenses for single individuals, and 3.6% cover all expenses for families.

Plan Design & Cost

Employee demographics play a role in plan designs. In Massachusetts, 43% of employees participate in PPO plans, 19% in HMO plans, and 35% in High Deductible Health Plans. The plan type influences the breadth of coverage available from physicians and facilities, copayments, and other elements.

Tax Advantaged Accounts

When it comes to big businesses in Massachusetts, 53% provide a Health Savings Account (HSA) and 71% provide a Flexible Spending Account (FSA). Both an FSA and an HSA are crucial elements of a tax-advantaged approach to medical spending.

Dental & Vision

Large businesses have a greater rate of dental and vision plan options than little companies. Large Massachusetts employers provide dental plans to their workers 64% of the time, with 81% taking advantage of that choice, while 31% offer vision coverage and 78% use it.

Medical Benefits Considerations

If you need assistance selecting a top insurance broker that specializes in medical benefits in your region, contact Mployer Advisor immediately. Whether you're a small or big company in Massachusetts, picking a brokerage is a major choice.

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

Medical benefits are an essential element of a complete compensation package. Providing high-quality, low-cost medical insurance for employees is a crucial aspect of a comprehensive benefits package. There are approximately 1,200,000 people covered by healthcare in Kentucky, whether you work for Kindred Healthcare or Papa John's in Frankfort.

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

Small Employer Guide to Medical Benefits

Cost & Coverage

Among the 42,000 small employers in Kentucky representing over 182,000 employees, 67% provide access to medical benefits, while 67% of employees take advantage of these benefits. On average, if you’re a small employer in Kentucky, the employer covers 77% for single employees and 62% for families, costing the small employer approximately $428 each month for individuals and $996 for families. The employee also has to pay a monthly amount which totals out to an average of $127 for a single employee and $606 for a family. A family individual component can range from $390 at the 25th percentile to $735 at the 75th percentile.

Plan Design

When deciding on a plan design, 17% of small businesses employ high deductible health insurance, 9% an HMO, and 48% a PPO. Having several plan types to pick from allows for coverage decisions ranging from a restricted network that includes only certain PCPs, specialists, and hospitals to an open network with access to a wide range of practitioners and hospitals.


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Tax Advantaged Accounts

Small employers in Kentucky can assist their staff members in managing expenses and pay appropriately by providing tax-optimizing healthcare options like Health Savings Accounts (HSAs) or Healthcare Flexible Spending Accounts (FSAs). Both an HSA and an FSA are fantastic ways for employees to save money on medical treatments while still receiving the benefits of tax-free savings accounts. 33% of Kentucky's small businesses offer an HSA, while 39% provide an FSA.

Dental and Vision

When it comes to evaluating your comprehensive employee benefits package, dental and vision perks are two of the most important components. Dental benefits are available from 26% of small employers, whereas just 17% provide vision. This is significantly lower than what we see among big businesses. Employees who work for small employers take advantage of dental coverage at a rate of 74%, and vision coverage at a rate of 78%.

Large Employer Guide to Medical Benefits

Cost & Coverage

In the state of Kentucky, 25,000 large employers provide medical coverage to over 1,063,000 individuals, with 74% taking advantage of the benefit. Larger employers, compared to smaller ones, are generally able to provide most comprehensive medical benefits. On average, Kentucky employers cover 79% of the monthly premium for single employees and 70% of the premium for families. On the employer side, this equates to a monthly premium average of $486 per month for singles and $1230 for families. For employees, this costs approximately $125 per month for single employees and $522 for families, with costs ranging anywhere from $76 each month for a family at the 25th percentile and $157 for a family at the 75th percentile. However, if you’re lucky enough to work with a few select Kentucky large employers, 8.2% cover all medical expenses for single individuals, and 1.8% cover all expenses for families.

Plan Design & Cost

Depending on employee demographics, plan types may be selected for a variety of reasons. 55% of employees in Kentucky opted to join a PPO plan, 9% joined an HMO, and 29% enrolled in a High Deductible Health Plan when applying for insurance. The difference in plan type determines the level of coverage available across doctors and facilities. It also affects co-insurance fees and other elements.

Tax Advantaged Accounts

Providing employees with methods to manage their medical expenditures tax-advantaged is an important aspect of a comprehensive benefits package. What are your options? Flexible Spending Accounts (FSA) and a Health Savings Account (HSA) are popular choices. An HSA is available in Kentucky, with 53% of large employers offering one and 64% providing an FSA.

Dental & Vision

When it comes to dental and vision plan options, bigger businesses generally have a higher option rate than smaller ones. In Kentucky, 50% of large employers provide dental insurance while 79% use the benefit, whereas 34% offer vision coverage and 78% take advantage of the benefit.

Medical Benefits Considerations

Whether you're a small or big business in Kentucky, choosing the right benefits designer is crucial. If you want a list of businesses in your area that specialize in medical plans, contact Mployer Advisor now.

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