State employee health coverage, costs
on par with private sector
Health insurance benefits for state employees in Idaho
are comparable to those available to workers in the private sector,
according a recent survey by the Idaho Department of Administration.
The survey of eight major employers in Idaho revealed
that state health benefits generally fell in the middle of the spectrum
– in some cases lower than the private sector, in others higher.
Deductibles ranged from $195 to $350; state employees
Co-insurance requirements ranged from 80 percent to
90 percent; Idaho’s is 85 percent
The out-of-pocket maximum ranged from $1,000 to $3,500;
the ceiling for annual out-of-pocket costs for state employees is
the highest at $3,500
The prescription co-pays required of state employees
is $12 for generic, $18 for formulary and $40 for non-formulary (depending
on salary level). Several firms require 10 percent, 20 percent and
30 percent co-pays for the three classifications of prescriptions
The state picks up 91 percent of an employee’s
health insurance premiums; in the private sector the range is from
80 percent to 90 percent
Benefits for Idaho employees compare favorably with the
average benefits paid by nine other western states, according to the
Division of Administration survey. Idaho’s average family premium
is $80 while the average is $144 for employees in Washington, Oregon,
Montana, Wyoming, Utah, Nevada, Colorado, New Mexico and Arizona.
insurance comparisons with other states
|Average single deductible
|Average family deductible
|Average single out-of-pocket max.
|Average family out-of-pocket max.
|Employer share of premium