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Confidential · Published data only

How does your health plan compare? Get a Michigan benefits benchmark

Compare your premiums, employee contributions and plan design with published Michigan and national survey data, and with what the market would quote your group today.

Your info goes to one licensed Michigan advisor, never sold. Not to a call center, not to a list of “partners.”

  • Published sources only
  • Real market quotes
  • Confidential

Talk to a benefits advisor

Your info goes to one licensed Michigan advisor at Nexus. Never sold. No pitch, no obligation.

This is a request for a conversation, not an application for coverage. Please don’t send employee names, health information or claims details through this form; we’ll set up a secure way to share a census later.

What you get

A confidential comparison of your health plan against published survey data and against what the Michigan market will actually quote for your census. No made-up “industry averages”: every comparison point is either from a named public source or from a real quote.

  • Cost: your total premium and employee share vs. Michigan averages from the federal MEPS-IC survey and national averages from KFF.
  • Plan design: deductible, out-of-pocket limits and drug coverage vs. KFF national data.
  • Market check: what fully insured, level-funded, self-funded and ICHRA options would cost for your group.
  • 2027 compliance: affordability at 10.22% and the year-end attestation.

What we need

  • Current rates and contribution by tier
  • Plan summaries (SBCs)
  • Employee count, ages and ZIP codes (no names or health details through this form)
  • Your renewal, if you have it
Request my benchmark

The published reference points we start from

MeasureFigureSource
Michigan, average single premium per enrolled private-sector employee, 2025$8,230 (employee share $1,970)AHRQ MEPS-IC, via KFF State Health Facts
Michigan, average family premium, 2025$23,800 (employee share $6,437)AHRQ MEPS-IC, via KFF State Health Facts
Michigan, average single premium, 2024$8,885AHRQ MEPS-IC, via KFF State Health Facts
U.S., average employer premium, 2025$9,325 single / $26,993 familyKFF 2025 Employer Health Benefits Survey
U.S., average worker contribution to family coverage, 2025$6,850KFF 2025
U.S., average general deductible for single coverage, 2025$1,886KFF 2025
U.S., expected change in cost per employee, 2027+8.2% after planned changesMercer preliminary survey, Sep 2, 2026
Michigan small group, requested 2027 rate change9.6% average (proposed)DIFS, July 14, 2026

MEPS-IC figures are private-sector averages across all employer sizes, so they’re a reference point, not a target. Survey years differ; we label every figure with its year. Survey estimates can move year to year (the Michigan single-premium average was lower in 2025 than in 2024).

Why benchmark before renewal

A renewal tells you what one carrier wants. A benchmark tells you whether your contribution strategy, plan design and funding method still make sense, and gives you something concrete to bring to the table. Pair it with the 2027 renewal audit.

Confidential by design

We don’t publish client data or sell it, and we don’t need personal health information to benchmark. Your info goes to one licensed Michigan advisor at Nexus.

2-minute advisor Q&A

Benchmarking your benefits

A Nexus advisor answers the questions we hear most. (Video coming soon.)

  • What data do you compare us against?
  • What do you need from us?
  • How do we use it at renewal?

Frequently asked questions

What is the average cost of employer health insurance in Michigan?

According to AHRQ's MEPS-IC survey (via KFF State Health Facts), the 2025 average premium per enrolled private-sector employee in Michigan was $8,230 for single coverage and $23,800 for family coverage. Your cost depends on your group, plan and funding method.

How much do Michigan employees pay toward health insurance?

In 2025 MEPS-IC data, Michigan employees contributed an average of $1,970 toward single coverage and $6,437 toward family coverage per year.

What's in a benefits benchmark?

A comparison of your premiums, contributions and plan design against published Michigan and national survey data, plus real market quotes for your census. We don't use unpublished or made-up averages.

Do you need employee health information?

No. We need rates, plan summaries and a basic census (counts, ages, ZIP codes). Don't send names or health details through the web form.

Will you sell my information?

No. It goes to one licensed Michigan advisor at Nexus and is never sold.

Where are you on the benefits ladder?

Just you (or you + spouse)Self-employed & individual plans2–50 employeesSmall group, ICHRA, QSEHRA, level-funded50–500 employeesSelf-funding, stop-loss, benchmarks

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Buying coverage for yourself or your family? See Michigan Open Enrollment 2027.

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