Bayou Oak Services (fictional)
10/23/2026 · Preview — not saved
Your benefits, in perspective.
Pilot design score · Published comparisons below · Grades are not market percentiles.
100% weighted scoring coverage. Missing information remains unknown.
One plan, individual in-network protection, employee-only and family deductions, and core benefit availability, with optional retirement and PTO shown separately.
Overall grade weights: plan value 30%, financial protection 30%, employee premium contributions 30%, breadth 10%.
Premium scores describe employee contribution competitiveness. They do not measure household affordability, which also depends on income and spending for care. Employee-only and family contributions each make up half of the premium category.
Your top three actions
Review missing core benefits
Why: This benefit is confirmed as not offered. Missing: Short-term disability.
Next step: Price the missing benefits before your next renewal.
Review employee-only payroll costs
Why: Employee-only premium contributions are $1,800 per year, $434 above the published employee-share average of $1,366.
Next step: Price a larger employer contribution at renewal.
Keep family payroll costs in view
Why: Family medical premiums cost employees $650 per month ($7,800 per year). The published median is $7,700 and 75th-percentile contribution is $14,000 for US private sector · 25–99 employees · all plan types (2025).
Next step: Review employee needs alongside the family premium, deductible and out-of-pocket maximum.
See full details
Benefit value
Financial protection
Employee annual premium contributions
Core benefit breadth
Three numbers. More perspective.
Annual amounts · Published means, not medians or market percentiles
Employee-only annual premium contribution
National fallback · US · 10–199 employees · HSA-qualified plans
KFF EHBS 2026 · Figure 6.8, B15 ↗Employee annual premium contribution — family coverage
Mean context only; family grading uses the published distribution below.
National fallback · US · 10–199 employees · HSA-qualified plans
KFF EHBS 2026 · Figure 6.9, B15 ↗Individual deductible before HSA funding
National fallback · US · 10–199 employees · HSA-qualified plans
KFF EHBS 2026 · Figure 8.9, B5 ↗How your plan compares
The averages in the table are means. Family contribution scoring uses the published US private-sector distribution shown here, across medical plan types. Family means in the table are context and do not anchor that score. HSA-specific means remain useful context. Other components use their own stated references. A mean is not a median or an exact market rank.
Family medical premium contributions
$650 per month · $7,800 per year from employee pay
Scoring comparison: US private sector · 25–99 employees · all plan types · 2025. Published contribution range: Between the published median and 75th percentile.
2025 US private-sector family premium contributions across all plan types, including zero employee contributions. Your entered plan year is 2026; the observed 2025 distribution has not been inflated or projected. No HSA-specific family percentiles are published here; HSA-specific KFF means remain separate context. This grades payroll premium competitiveness, not household affordability or total medical spending.
AHRQ Medical Expenditure Panel Survey, Insurance Component, 2025 private-sector tables 2025 · I.G.2, Family coverage, 25-99 employees; PDF page 340
Family scoring source and policy
Employees enrolled in family coverage at private-sector establishments that offer health insurance.
| Contribution anchor | Annual employee deduction | Monthly equivalent | Published standard error | Pilot score |
|---|---|---|---|---|
| No employee contribution | $0 | $0 | — | 100 |
| Published 25th percentile | $3,100 | $258 | $659 | 90 |
| Published median | $7,700 | $642 | $403 | 80 |
| Published 75th percentile | $14,000 | $1,167 | $522 | 70 |
| Published 90th percentile | $20,000 | $1,667 | $1,198 | 60 |
Benefit Grader policy: $0 earns 100; published P25 = 90/A, median = 80/B, P75 = 70/C and P90 = 60/D. Scores interpolate in dollars between these cutoffs; above P90 the score is 60 × P90 / annual contribution. Letters and interpolation are our policy, not AHRQ grades or exact percentile ranks. Rounded survey cutoffs have sampling uncertainty.
Published standard errors describe sampling uncertainty in each estimated cutoff, not the spread of individual plan costs. Survey cutoffs are rounded. No exact percentile rank or confidence interval for this plan is inferred.
| Measure | Your plan | Published comparison | Comparison group & source |
|---|---|---|---|
| Employee-only annual premium contribution | $1,800 | $1,366$434 above the mean Louisiana all-plan context only: $2,95495% margin of error: ±$860 (29.1% of average) KFF HSA-qualified comparison takes priority. Louisiana all-plan average is context only. | US · 10–199 employees · HSA-qualified plans KFF EHBS 2026 · Figure 6.8, B15 Louisiana context only |
| Employee annual premium contribution — family coveragePublished mean · context only. Family scoring uses the distribution above. | $7,800 | $8,165$365 below the mean Louisiana all-plan context only: $13,09295% margin of error: ±$2,321 (17.7% of average) Published mean for context only; family grading uses the separately labeled MEPS-IC all-plan contribution distribution. This KFF mean is HSA-qualified. Louisiana all-plan mean remains context only. | US · 10–199 employees · HSA-qualified plans KFF EHBS 2026 · Figure 6.9, B15 Louisiana context only |
| Individual deductible before HSA funding | $3,500 | $3,595$95 below the mean Louisiana all-plan context only: $1,98895% margin of error: ±$753 (37.9% of average) KFF HSA-qualified comparison takes priority. Louisiana all-plan average is context only. | US · 10–199 employees · HSA-qualified plans KFF EHBS 2026 · Figure 8.9, B5 Louisiana context only |
| Family deductible before HSA fundingAll-plan family averages, among plans with a family deductible. Context only; does not change the individual protection score. | Unknown | $3,99795% margin of error: ±$115 (2.9% of average) Louisiana all-plan context only: $3,63895% margin of error: ±$571 (15.7% of average) Louisiana and US all-plan family averages are context only. This row does not anchor a score. | US private sector · all surveyed firm sizes · all plan types AHRQ MEPS-IC 2025 · II.F.3, Total; estimates PDF page 229, standard errors page 230 Louisiana context only |
| Individual out-of-pocket maximum before HSA funding | $7,000 | $5,000 distribution-based B point61% of covered workers have a raw plan maximum at or below this amount. Grouped data; not an exact median.2026 legal maximum / worst score endpoint: $8,500. | KFF 2026 Employer Health Benefits Survey · Figure 7.40, HSA-qualified plans, B8:G8 Covered workers with an in-network out-of-pocket maximum for single coverage in HSA-qualified plans. 2026 legal limit |
| Employer HSA funding | $1,000 | $922$78 above the mean | US · 10–199 employees · HSA-qualified plans KFF EHBS 2026 · Figure 8.1, B5 |
| Employee coinsuranceMEPS average coinsurance where plans require coinsurance. Service-specific rates can differ. | 20% | 20.9%95% margin of error: ±1.4 percentage points (6.7% of average)0.9 percentage points below the mean US comparison: 20.5%95% margin of error: ±0.4 percentage points (2.0% of average)0.5 percentage points below the US mean | Louisiana private sector · all surveyed firm sizes · all plan types AHRQ MEPS-IC 2025 · II.F.6, Total; estimates PDF page 235, standard errors page 236 National comparison |
Comparison definitions and limitations
Industry and employer sector are not matched. National or all-plan-type data may be used where a closer reliable comparison is unavailable. AHRQ and KFF size bands refer to the whole firm. Margins of error are approximate 95% intervals, calculated as 1.96 × the published standard error. They describe uncertainty in an average, not the range of individual plans.
US · 10–199 employees · HSA-qualified plans: Covered workers enrolled in employer-sponsored single medical coverage. Restricted to HSA-qualified plans. Firms with 10-199 workers.
Published covered-worker mean; not a median, percentile or KFF grading cutoff.
Employee premium contribution only, not total premium or total spending on care; includes zero employee contributions.
National comparison; not a state-specific estimate.
Louisiana private sector · 25–99 employees · all plan types: Private-sector employees enrolled in single coverage at establishments offering health insurance.
Published standard error: $439.
Enrollee-weighted published mean; not a percentile, median, or employer-weighted distribution.
Firm size includes the entire enterprise, rather than the sampled establishment alone.
All medical plan types combined; not a PPO/HMO-only or HSA-plan-specific comparator.
A broader comparison across plan types; not an exact plan-type match.
US · 10–199 employees · HSA-qualified plans: Covered workers enrolled in employer-sponsored family medical coverage. Restricted to HSA-qualified plans. Firms with 10-199 workers.
Published covered-worker mean; not a median, percentile or KFF grading cutoff.
Employee premium contribution only, not total premium or total spending on care; includes zero employee contributions.
National comparison; not a state-specific estimate.
Louisiana private sector · 25–99 employees · all plan types: Private-sector employees enrolled in family coverage at establishments offering health insurance.
Published standard error: $1,184.
Enrollee-weighted published mean; not a percentile, median, or employer-weighted distribution.
Firm size includes the entire enterprise, rather than the sampled establishment alone.
MEPS family coverage excludes single and employee-plus-one; where multiple family tiers exist, respondents report a family of four.
All medical plan types combined; not a PPO/HMO-only or HSA-plan-specific comparator.
A broader comparison across plan types; not an exact plan-type match.
US · 10–199 employees · HSA-qualified plans: Covered workers with a general annual deductible for single in-network coverage. Restricted to HSA-qualified plans. Firms with 10-199 workers.
Published covered-worker mean; not a median, percentile or KFF grading cutoff.
Conditional on having a deductible; excludes no-deductible plans. Raw plan deductible before employer HSA funding.
National comparison; not a state-specific estimate.
Louisiana private sector · 25–99 employees · all plan types: Private-sector employees enrolled with single coverage in a health insurance plan having a deductible.
Published standard error: $384.
Enrollee-weighted published mean; not a percentile, median, or employer-weighted distribution.
Firm size includes the entire enterprise, rather than the sampled establishment alone.
Nominal individual deductible among plans with a deductible; no-deductible plans are excluded and employer HSA funding has not been subtracted.
All medical plan types combined; not a PPO/HMO-only or HSA-plan-specific comparator.
A broader comparison across plan types; not an exact plan-type match.
US private sector · all surveyed firm sizes · all plan types: Private-sector employees enrolled with family coverage in a health insurance plan having a deductible.
Published standard error: $58.
All firm sizes and all medical plan types combined; not an HSA-specific comparator.
Enrollee-weighted published mean; not a median or percentile.
Published standard error is preserved; an approximate 95% margin of error is calculated as 1.96 times the standard error.
Conditional on family coverage with a deductible; excludes plans without one. Raw deductible before employer HSA contributions. Context only; does not change the individual protection score.
A broader comparison across plan types; not an exact plan-type match.
National comparison; not a state-specific estimate.
All surveyed firm sizes; no matching size-specific estimate was used.
Louisiana private sector · all surveyed firm sizes · all plan types: Private-sector employees enrolled with family coverage in a health insurance plan having a deductible.
Published standard error: $291.
All firm sizes and all medical plan types combined; not an HSA-specific comparator.
Enrollee-weighted published mean; not a median or percentile.
Published standard error is preserved; an approximate 95% margin of error is calculated as 1.96 times the standard error.
Conditional on family coverage with a deductible; excludes plans without one. Raw deductible before employer HSA contributions. Context only; does not change the individual protection score.
A broader comparison across plan types; not an exact plan-type match.
All surveyed firm sizes; no matching size-specific estimate was used.
US · 10–199 employees · all plan types: Covered workers with an in-network out-of-pocket maximum for single coverage, across plan types. Firms with 10-199 workers.
Published covered-worker mean; not a median, percentile or KFF grading cutoff.
Raw individual in-network out-of-pocket maximum before employer HSA funding; all-plan comparison, not an HSA-specific mean.
A broader comparison across plan types; not an exact plan-type match.
National comparison; not a state-specific estimate.
US · 10–199 employees · HSA-qualified plans: Covered workers enrolled in HSA-qualified plans with single coverage, including zero employer contributions. Restricted to HSA-qualified plans. Firms with 10-199 workers.
Published covered-worker mean; not a median, percentile or KFF grading cutoff.
Employer account contribution, separate from employer premium support. Includes zero contributions; excludes workers in matching arrangements.
National comparison; not a state-specific estimate.
Louisiana private sector · all surveyed firm sizes · all plan types: Private-sector employees enrolled in a health insurance plan with physician office-visit coinsurance.
Published standard error: 0.7%.
All firm sizes and all medical plan types combined; not an HSA-specific comparator.
Enrollee-weighted published mean; not a median or percentile.
Published standard error is preserved; an approximate 95% margin of error is calculated as 1.96 times the standard error.
Office-visit employee coinsurance, not a hospital or universal rate. Standard errors are fractions; 0.0071 equals 0.71 percentage points.
A broader comparison across plan types; not an exact plan-type match.
All surveyed firm sizes; no matching size-specific estimate was used.
US private sector · all surveyed firm sizes · all plan types: Private-sector employees enrolled in a health insurance plan with physician office-visit coinsurance.
Published standard error: 0.2%.
All firm sizes and all medical plan types combined; not an HSA-specific comparator.
Enrollee-weighted published mean; not a median or percentile.
Published standard error is preserved; an approximate 95% margin of error is calculated as 1.96 times the standard error.
Office-visit employee coinsurance, not a hospital or universal rate. Standard errors are fractions; 0.0071 equals 0.71 percentage points.
A broader comparison across plan types; not an exact plan-type match.
National comparison; not a state-specific estimate.
All surveyed firm sizes; no matching size-specific estimate was used.
Deductibles and out-of-pocket maximums in this table are shown before employer HSA funding. Family deductible comparisons are context only. Employer funding is shown separately.
2026 HSA eligibility: plan-limit check
Entered limits checked below; missing family or individual limits remain unconfirmed.
| Plan limit | Your plan | 2026 IRS threshold | Check |
|---|---|---|---|
| Self-only deductible | $3,500 | At least $1,700 | Meets numeric limit |
| Family deductible | Unknown | At least $3,400 | Not supplied |
| Self-only out-of-pocket maximum | $7,000 | No more than $8,500 | Meets numeric limit |
| Family out-of-pocket maximum | Unknown | No more than $17,000 | Not supplied |
Checks raw plan limits before employer HSA funding. Meeting these amounts alone does not establish HSA eligibility: confirm plan terms, permitted pre-deductible benefits, embedded family deductibles and the individual’s other coverage.
IRS Rev. Proc. 2025-19 §2.01(2)Additional national premium comparisons · BLS
A second national view of how medical premiums are shared. These percentages do not replace the dollar comparisons above or affect your grade.
| Coverage | Employee share | Employer share | Comparison group & source |
|---|---|---|---|
| Employee-only (single) | 20% | 80% | US private-industry participants BLS March 2026 · Table 3 · Private industry · All workers |
| Family | 31% | 69% | US private-industry participants BLS March 2026 · Table 4 · Private industry · All workers |
US private-industry medical-plan participants, March 2026; includes participants whose employer pays the full premium. All medical plan types and establishment sizes.
To compare your own premium split, you need the total plan premium as well as the employee deduction. This Snapshot does not collect total premiums, so your employer contribution and percentage are not inferred.
BLS assumes workers in an occupation can choose single or family coverage; these figures are not weighted by actual coverage elections. They should not be combined with the AHRQ or KFF dollar averages.
These national figures are not matched to your state, industry or firm size. BLS size groups describe an establishment, usually one workplace, rather than the entire company.
No national BLS dollar average is shown in this version. Dollar figures conditional on requiring an employee contribution are not substituted for averages that include zero contributions.
National medical-cost context · Milliman, HCCI and Aon
These findings describe different populations, years and cost measures. They are not combined into an average and do not affect your grade. Average out-of-pocket spending is not a plan's out-of-pocket maximum.
Milliman · 2026 projected health-care cost
$8,460 per covered person in an average employer-sponsored PPO, including $1,266 in projected out-of-pocket spending.
Modeled total health-care costs include employer payments, employee contributions and out-of-pocket spending. These are not premium-only amounts. Figures are net of pharmacy rebates.
Milliman Medical Index 2026 · Published 2026-05
HCCI · 2023 observed claims spending
$6,743 per covered person under 65 in medical and prescription claims spending, including $923 paid out of pocket.
Based on employer-insurance claims from 2023, published in October 2026. Premiums are excluded; pharmacy spending is before manufacturer rebates.
HCCI 2023 Health Care Cost and Utilization Report · Published 2026-10
Aon · 2026 reported premium cost
$17,562 per employee in combined employer and employee medical and prescription premiums, including $3,130 from employee payroll contributions.
Public findings do not separate coverage tiers. Premium totals exclude out-of-pocket payments. These current-year figures were reported in August 2026 and are not an employee-only or family benchmark.
Aon Health Value Initiative, August 2026 public findings · Published 2026-08-20
Core benefits: availability and funding
Your funding status is shown separately from how widely a benefit is available. BLS March 2026 figures describe access among US private-industry workers, including full-time and part-time workers. They do not measure employer-paid coverage or the percentage of companies offering a benefit.
| Benefit | Your offering | Workers with access |
|---|---|---|
| Dental | Employer paid | 44% · BLS March 2026 |
| Vision | Voluntary | 29% · BLS March 2026 |
| Basic life | Employer paid | 59% · BLS March 2026 |
| Short-term disability | Not offered | 44% · BLS March 2026 |
| Long-term disability | Employer paid | 37% · BLS March 2026 |
| 401(k) / retirement plan (optional) | Offered | 72% · BLS March 2026Retirement access; not a benchmark for match generosity. |
| Paid vacation / PTO (optional) | Offered | 80% · BLS March 2026Paid vacation access; not a benchmark for combined PTO days. |
The breadth score counts confirmed offered, employer-paid, subsidized and voluntary benefits equally as available. Unknown core benefits earn no availability credit and keep the score provisional. Funding is shown separately. Limited offerings count as available. Retirement and PTO are context only and do not change the five-benefit breadth score. Match percentages and PTO days are not graded for generosity.
Employer retirement match: 100% of the first 3% of pay
Annual PTO: 20 days
What to confirm next
All inputs in this limited scope are present. Source verification and broader advisor review are still needed.
More recommendations
Consider company support for core benefits
Why: Vision is employee-paid.
Next step: Price a company contribution to make coverage easier to afford.
Review the worst-case cost
Why: The individual in-network out-of-pocket maximum is $7,000, or $6,000 after guaranteed employer HSA funding. The pilot B point from KFF's grouped distribution is $5,000. Pilot review range: $5,000–$7,999.
Next step: Check whether employees could manage this amount in a difficult year.
View calculation details
Family payroll premiums use published MEPS-IC contribution percentiles with a disclosed Benefit Grader grading policy. Other components retain their pilot reference curves. Letters, interpolation and weights are our policy, not survey-endorsed grades or exact market ranks. Means and medians are labeled separately.
A letter requires at least 80% coverage in every category and 80% overall, confirmed plan structure, and valid scoring references. Letters use unrounded scores. A score near a letter boundary is shown to one decimal so rounding does not imply a higher grade. Retirement and PTO do not change core breadth.
Family contributions use published contribution percentiles: the 25th percentile maps to 90/A, the median to 80/B, the 75th to 70/C and the 90th to 60/D. Zero employee contribution maps to 100, with linear interpolation between these points. Above the 90th percentile amount, the score is 60 × that amount ÷ the entered annual contribution; there is no fixed dollar amount that forces a zero score. These score and letter assignments are Benefit Grader policy. Interpolated scores do not establish an exact market percentile. Other component references map to 80/B under their pilot curves. Category weights and letter thresholds are design choices. Missing data remains unknown. Entered facts have not been independently verified.
| Component | Entered / normalized value | Score | Scoring reference |
|---|---|---|---|
| Primary care copay | Unknown | — | 29 · AHRQ Medical Expenditure Panel Survey, Insurance Component, 2025 private-sector tables 2025 · II.F.5, Total; estimates PDF page 233, standard errors page 234 |
| Specialist copay | Unknown | — | 46 · KFF 2026 Employer Health Benefits Survey 2026 · Figure 7.33, F9 |
| Employee coinsurance | 20.0% | 80.9 | 0.21 · AHRQ Medical Expenditure Panel Survey, Insurance Component, 2025 private-sector tables 2025 · II.F.6, Total; estimates PDF page 235, standard errors page 236 |
| Deductible less guaranteed employer HSA funding | 2,500 | 70.0 | 2,000 · Pilot design target |
| OOP maximum less guaranteed employer HSA funding | 6,000 | 57.1 | 5,000 · KFF 2026 Employer Health Benefits Survey 2026 · Figure 7.40, HSA-qualified plans, B8:G8Distribution-derived pilot B point B is the upper edge of the first published OOP band reaching 50% of covered workers; this is a rubric choice, not an exact median. The score uses OOP less guaranteed employer HSA funding; the source distribution describes raw plan limits, not net exposure. The worst endpoint is the 2026 IRS HSA-qualified individual limit. Worst endpoint: $8,500. 2026 limit |
| Employee-only annual payroll contribution | 1,800 | 72.5 | 1,366 · KFF 2026 Employer Health Benefits Survey 2026 · Figure 6.8, B15 |
| Family annual payroll contribution | 7,800 | 79.8 | $7,700 annual median $642 monthly equivalent · pilot 80/B point US private sector · 25–99 employees · all plan types · 2025 25th percentile: $3,100 per year (score 90); 50th percentile: $7,700 per year (score 80); 75th percentile: $14,000 per year (score 70); 90th percentile: $20,000 per year (score 60). 2025 US private-sector family premium contributions across all plan types, including zero employee contributions. Your entered plan year is 2026; the observed 2025 distribution has not been inflated or projected. No HSA-specific family percentiles are published here; HSA-specific KFF means remain separate context. This grades payroll premium competitiveness, not household affordability or total medical spending. Benefit Grader policy: $0 earns 100; published P25 = 90/A, median = 80/B, P75 = 70/C and P90 = 60/D. Scores interpolate in dollars between these cutoffs; above P90 the score is 60 × P90 / annual contribution. Letters and interpolation are our policy, not AHRQ grades or exact percentile ranks. Rounded survey cutoffs have sampling uncertainty. |
| Confirmed core benefits offered | 80.0% | 80.0 | 0.8 · Pilot design target |
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