Tracking the Rise in Premium Contributions and Cost-Sharing for Families with Large Employer Coverage

A new KFF analysis that looked at both premiums and other out-of-pocket costs shows that families with coverage through a large employer paid 67% more for their health benefits and care in 2018 than a decade earlier.

In 2018, a typical family of four with large employer coverage spent $4,706 on their share of health premiums and $3,020 on cost sharing (such as deductibles, copayments and coinsurance) for a combined cost to the family of $7,726, the analysis finds. That was up from $2,838 in premiums and $1,779 in cost sharing in 2008, for a combined cost to the family of $4,617 a decade ago.

The analysis of part of the Peterson-Kaiser Health System Tracker, an online information hub dedicated to monitoring and assessing the performance of the U.S. health system.

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.