Workers Now Pay $7,471 on Average Annually for Family Health Coverage, Up 9% or $621 from 2025
The 2026 Employer Health Benefits Survey finds that workers are paying on average $7,471 annually toward the premiums for employer-sponsored family health benefits in 2026, which is up 9%, or $621, from 2025. Including the employers’ share, total annual premiums for family coverage now average $28,303, up 5% from 2025. The survey also captures trends in deductibles, offer rates, and employer practices, and employers’ experiences with GLP-1 and IVF coverage and understanding costs and utilization.
KFF Health News: Job-Based Health Plan Costs Rise, With Little Relief in Sight
Employers saw their health care premiums rise 5% this year — and some passed on that burden to workers — as the cost of family coverage in job-based insurance exceeds $28,000 for family plans.

