United States of America

Most United States employees say health insurance is their most coveted benefit. Utilizing the private health system without any health insurance benefit is an extremely expensive proposition, often prohibitively so. Also, the United States has almost no government sponsored, public health care system so the majority of affordable health care benefits are delivered through employer-sponsored plans.

Asinta Partner
Bret Goodman

Alliant Insurance Services

More Info

When asked to rank four other common benefits in order of importance American employees are likely to respond with: Dental, Retirement, Life, and Disability.

Trending Now

It’s a priority to pay attention to the ongoing impact of the federally mandated Affordable Care Act (ACA) and the United States health care reform laws passed as a result of the ACA. The ACA touches both employers and employees and it is constantly being revisited, updated and revised.

Average Cost For Employer Sponsored Benefits

Typically benefits cost between $500-800 a month, but it all depends on the demographics of the employees. It also depends on if the employer contributes to the cost of dependents. Historically employers sponsored some or all of the costs for dependent cover, but over the last ten years that’s changed substantially. Now, employers are not incentivized to sponsor dependent coverage.


Set up a US benefit plan that reflects your company’s global, or headquarters’, culture. It’s not possible to replicate all benefits or benefit levels in all countries, but employers should organize their plans to have some parity to other population’s plans. Because employees work across physical and virtual borders all the time, having similar benefits makes it easier for teams to work together when they feel they are all being treated in a similar way.

Surprising Fact

The costs, the costs and, the costs. The percentage of total business costs employee benefits will cost for an employer in the United States is often shocking for foreign companies to comprehend. For example, it costs a Canadian multinational company five to six times the cost in Canada to cover their US employees. And for employers who have a US workforce who earn on the lower end of the salary scale, the relative costs for their employees’ benefits can be striking.


This information about employee benefits in the United States is provided by Alliant Employee Benefits, Asinta’s employee benefits consulting Partner in the United States.

Asinta Knowledge

Alliant’s Technology Perks and Benefits Survey for the US

The results from Alliant’s Technology Perks & Benefits Survey are now available. For companies in the internet technology, software, or data processing sector, Alliant’s findings... Read More

Global Health Cost Trends for 2023

Asinta and Alliant’s Global Benefits and Clinical Informatics teams recently compiled a report detailing global health cost trends for 2023. This 30-page report covers medical... Read More

US ACA Pay or Play Affordability Refresher

Under the United States’ final Pay or Play rules, an Applicable Large Employer (ALE) can face significant “part (a)” penalties if they do not offer... Read More

US Medical Loss Ratio Rebate Rules

US Medical Loss Ratio rebate rules are part of the Affordable Care Act (ACA). Health insurance issuers must meet medical loss ratio (MLR) standards or... Read More

U.S.: Reminder of ACA Prohibition on Rescissions of Coverage

The ACA prohibits group health plans and insurers from rescinding coverage except where there is fraud or an individual makes an intentional misrepresentation of material... Read More

Meet Asinta's U.S. Partner, Philippe de Dreuzy of Alliant

  2022 marks Asinta’s 30th anniversary in creating brilliant connections in employee benefits worldwide, and it is the perfect opportunity to introduce multinational employers to... Read More

2022 Global Benefits Trends Report

Alliant Insurance Services in concert with the global Asinta Partnership presents this 2022 global employee benefits medical trends report to help multinational employers better forecast... Read More

OSHA’s COVID-19 Vaccination and Testing ETS

On November 4, 2021, the Occupational Safety and Health Administration (OSHA) issued the COVID-19 Vaccination and Testing Emergency Temporary Standard (ETS). The ETS was stayed... Read More

Verdict for Texas vs US Affordable Care Act

On June 16, 2021, the United States Supreme Court gave a verdict for Texas vs US Affordable Care Action. The Court upheld the Affordable Care... Read More