Free Tool for Employers in All 50 States
Employee Benefits
Benchmark Calculator
Is your company overpaying for group health insurance? Enter your current plan details and instantly see how your premiums compare to 2025 market benchmarks — by state, company size, plan type, and industry. Works for employers in all 50 states.
- Powered by 2025 KFF Data
- Free — No Email Required
- Results in Under 10 Seconds
- Your Data Stays Private
- Source: 2025 KFF Employer Health Benefits Survey
- Sample: 1,862 employers nationwide
- Data year: 2025 (most current available)
- State adjustments: All 50 States + DC
⚙️ Enter Your Plan Details
All fields are used to calculate your benchmark. No data is stored or shared.
Single Coverage
Family Coverage
% of Single
% of Family
Enter your plan details and click Calculate My Benchmark to see how your premiums compare to 2025 market benchmarks.
🤔 What This Calculator Measures
Benchmark Rating
Excellent / Competitive / Watch / Above Market — based on how your premiums compare to similar employers.
Detailed Comparison Table
Your single and family premiums vs. market averages for your plan type, company size, and industry.
Annual Cost Breakdown
Employer cost, employee cost, and annual totals — so you understand your true cost per employee.
Personalized Insights
Specific observations about your employee contribution rates, plan type selection, and where savings opportunities exist.
About This Calculator
This benchmark calculator uses data from the 2025 KFF Employer Health Benefits Survey — the largest, most respected annual survey of employer-sponsored health insurance in the United States, based on 1,862 employer interviews. Benchmark figures are adjusted for all 50 states and Washington D.C. using regional cost-of-care indices, and for industry-specific demographic factors including workforce age distribution and income levels.
📚 Data Source
2025 KFF Employer Health Benefits Survey (26th annual edition). Published by the Kaiser Family Foundation — the nonpartisan source for health policy research. All premiums are the most current available as of 2025.
📍 State Adjustment
Premiums vary significantly by state — from Alaska (+16.8%) to Mississippi (-4.8%). We apply state-specific adjustment factors for all 50 states and DC based on regional cost-of-care indices and historical KFF state-level data.
⚡ Industry Adjustment
Premiums vary significantly by industry due to workforce age, gender, and health status. We apply KFF industry-level adjustments for manufacturing, healthcare, professional services, construction, and other sectors.
Want the Real Numbers for Your Specific Plan?
This calculator uses published benchmark data. For a true market analysis — actual carrier quotes, your specific claims history, and a side-by-side comparison across 30+ carriers — schedule a free consultation with JS Benefits Group. No obligation, no pressure.
