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Heath Insurance Plans
August 8, 2006 The employer share of health insurance is a major cost for law firm budgets. Culpepper Consulting benchmarks health insurance cost for technology companies which, we have found, closely parallels the benefits offered by law firms. Accordingly we hope you find these brand new cost comparisons useful. For complete survey results including percentile survey results, office visit co-pays and prescription drug co-pays, send us an e-mail requesting our “Report on Health Insurance Benefits Survey Results.”
Average Total Monthly Premiums
|
Coverage
|
POS
|
HMO
|
PPO
|
|
Employee
|
$346
|
$295
|
$344
|
|
Employee + Child
|
$656
|
$606
|
$657
|
|
Employee + Spouse
|
$747
|
$653
|
$729
|
|
Family
|
$1,022
|
$910
|
$1,025
|
Average Percent of Month Premiums Paid by Employer
|
Coverage
|
POS
|
HMO
|
PPO
|
|
Employee
|
82%
|
80%
|
83%
|
|
Employee + Child
|
79%
|
76%
|
77%
|
|
Employee + Spouse
|
79%
|
76%
|
76%
|
|
Family
|
79%
|
75%
|
74%
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Average Deductible and Out of Pocket Maximum
|
|
POS
|
HMO
|
PPO
|
|
In-Network Deductible
|
|
|
|
|
§ Per-person
|
$283
|
|
$382
|
|
§ Per-family
|
$808
|
|
$976
|
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Out-of-Network Deductible
|
|
|
|
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§ Per-person
|
$518
|
|
$610
|
|
§ Per-family
|
$1,424
|
|
$1,544
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In-Network Out-of-Pocket
|
|
|
|
|
§ Per-person
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$1,682
|
$1,650
|
$1,841
|
|
§ Per-family
|
$4,182
|
$3,300
|
$4,268
|
|
Out-of-Network Out-of-Pocket
|
|
|
|
|
§ Per-person
|
$2,738
|
|
$3,301
|
|
§ Per-family
|
$7,053
|
|
$7,549
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