Port of Seattle strives to provide health insurance coverage options that are affordable and competitive with other potential employers. Each year, we compare specific aspects of our plans to similar plans offered by other public and private employers in our region, based on the Milliman Northwest Benefits Survey.
Browse the tables below to see how different components of each Port-sponsored healthcare plan compare to the market average. Plan components highlighted in light green are equal to the market average, while those in dark green show where we surpass the market average.
Deductible Plan |
The Market (2025) |
The Port (2026) |
| Individual Deductible |
$669
|
$600
|
| Family Deductible |
$1638
|
$1,800
|
| Individual Out of Pocket Max |
$3,007
|
$2,400
|
| Family Out of Pocket Max |
$6,810
|
$7,200
|
| Individual Premium Share |
9%
|
9%
|
| Family Premium Share |
21%
|
19%
|
| Coinsurance |
20%
|
20%
|
| (Pharmacy) Generic |
$12
|
$10
|
| (Pharmacy) Brand - Preferred |
$34
|
$45
|
| (Pharmacy) Brand - Non Preferred |
$64
|
$70
|
| (Pharmacy) Brand - Specialty |
$669
|
$600
|
High Deductible Health Plan |
The Market (2025) |
The Port (2026) |
| Individual Deductible |
$2,470
|
$1,700
|
| Family Deductible |
$4,810
|
$3,400
|
| Individual Out of Pocket Max |
$4,046
|
$4,000
|
| Family Out of Pocket Max |
$7,863
|
$8,000
|
| Individual Premium Share |
8.5%
|
4%
|
| Family Premium Share |
17%
|
9%
|
| Coinsurance |
20%
|
20%
|
| (Pharmacy) Generic - Coinsurance |
17%
|
20%
|
| (Pharmacy) Brand - Preferred - Coinsurance |
20%
|
20%
|
| (Pharmacy) Brand - Specialty - Coinsurance |
20%
|
20%
|
Kaiser Permanente (HMO) |
The Market (2025) | The Port (2026) |
| Individual Deductible |
$250
|
$0
|
| Family Deductible |
$750
|
$0
|
| Individual Out of Pocket Max |
$2,000
|
$1,500
|
| Family OOP Max |
$4,000
|
$3,000
|
| Individual Premium Share |
10%
|
9%
|
| Family Premium Share |
22%
|
19%
|
| Coinsurance |
18%
|
20%
|
| (Pharmacy) Generic |
$12
|
$15
|
| (Pharmacy) Brand - Preferred |
$29
|
$30
|
| (Pharmacy) Brand - Non Preferred |
$51
|
n/a
|
| (Pharmacy) Brand - Specialty |
$51
|
$30
|
Delta Dental |
The Market (2025) |
The Port (2026) |
| Deductible |
$46
|
$0
|
| Annual Maximum |
$1977
|
$2,000
|
| Orthodontic Maximum |
$1,885
|
$2,500
|
| Individual Premium Share |
18%
|
5%
|
| Family Premium Share |
31%
|
15%
|
VSP Vision (Core) |
The Market (2025) |
The Port (2026) |
| Hardware Dollar Limit |
$200
|
$200
|
| Copay |
$16
|
$10
|
| Individual Premium Share |
27%
|
17%
|
| Family Premium Share |
35%
|
27%
|
