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2025 Employer Health Benefits Survey

Annual Family Premiums for Employer Coverage Rise 6% in 2025, Nearing $27,000, with Workers Contributing $6,850 Toward Premiums

This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, worker contributions, cost-sharing provisions, offer rates, and more. This year’s report also looks at how employers are approaching coverage of GLP-1 drugs for weight loss, including their concerns about use and cost.

Read the news release →

The Enhanced Premium Tax Credits

ACA Premium Payments Would More than Double on Average Next Year if Enhanced Tax Credits Expire

If Congress allows the enhanced premium tax credits to expire at the end of this year, ACA Marketplace enrollees on average would see their out-of-pocket premium payments more than double next year, growing by 114%, from an average of $888 in 2025 to $1,904 in 2026, according to a KFF analysis released today.

Quick take

What an Income Cap Could Mean for ACA Enrollees and the Federal Budget

analysis

About a Quarter of Farmers and Ranchers Get Insurance Through ACA Marketplaces

Quick Take

Why Might Republicans Consider Extending Obamacare Tax Credits?

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How Much More People Would Pay if the ACA’s Enhanced Premium Tax Credits Expire

health system tracker
KEY RESOURCES

  • Health Policy 101: Costs and Affordability

    This Health Policy 101 chapter explores trends in health care costs in the U.S. and the factors that contribute to this spending. It also examines how health care spending varies and the impact on affordability and people's overall financial vulnerability.  


  • Americans’ Challenges with Health Care Costs

    This data note reviews our recent polling data that finds that Americans struggle to afford many aspects of health care, including disproportionate shares of uninsured adults, Black and Hispanic adults and those with lower incomes.

  • National Health Spending Explorer

    This interactive Peterson-KFF Health System Tracker tool allows users to examine five decades worth of data on health expenditures by federal and local governments, private insurers, and individuals.

  • Polling on Prescription Drugs and Their Prices

    This chart collection draws on recent KFF poll findings to provide an in-depth look at the public’s attitudes toward prescription drugs and their prices. Results include Americans’ opinions on drug affordability, pharmaceutical companies, and various potential measures that could lower prices.

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  • Paying for Prescribed Drugs in Medicaid: Current Policy and Upcoming Changes

    Issue Brief

    The federal government has proposed new rules that aim to make Medicaid outpatient drug reimbursement policies more closely match the cost of obtaining and filling prescriptions. However, the change in policy may have varying effects on reimbursement, depending on the state’s current approach and the type of drug in question. This paper explains current Medicaid pharmacy reimbursement methodology and examines the potential effect of the proposed rule changes.

  • Kaiser Family Foundation/NBC News Survey Questions

    Poll Finding

    The Kaiser Family Foundation partnered with NBC News to ask several survey questions of the U.S. public about their feelings towards the 2010 health care law, as well as their worries about affording health care more generally. These questions were asked as part of the September 2013 Kaiser Health Tracking Poll.

  • How Much Is Enough? Out-of-Pocket Spending Among Medicare Beneficiaries: A Chartbook

    Report

    This new analysis and chartbook examines out-of-pocket spending among Medicare beneficiaries, including spending on health and long-term care services and insurance premiums, using the most current year of data available from a nationally representative survey of people on Medicare. It explores which types of services account for a relatively large share of out-of-pocket spending, which groups of beneficiaries (including by age, gender, health status, and chronic conditions) are especially hard hit by high out-of-pocket costs, and trends in out-of-pocket spending between 2000 and 2010.

  • How Does the Quality of the U.S. Health System Compare to Other Countries?

    Feature

    This chart collection compare health outcomes, quality of care, and access to services between the U.S. and peer countries. While inconsistent and imperfect metrics make it difficult to firmly assess system-wide health quality in the U.S., a review of the available data prior to the onset of the COVID-19 pandemic suggests that in most of these measures, the U.S. has lagged behind comparably large and wealthy countries.

  • How Much and Why ACA Marketplace Premiums Are Going Up in 2026

    Issue Brief

    This analysis of initial rate filings from all 50 states and DC shows ACA Marketplace insurers are proposing a median premium increase of 18% for 2026, more than double last year’s 7% median proposed increase. The analysis includes proposed rate changes by state and insurer.

  • 5 Key Facts about Medicaid’s Share of National Health Spending

    Issue Brief

    To provide historical context for how changes to Medicaid spending may impact national health spending trends, this brief explores how Medicaid spending contributes to national health spending and how different service areas contribute to Medicaid costs.