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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?

Calculator

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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  • 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.

  • KFF Health Tracking Poll: Public Weighs Political Consequences of Health Policy Legislation

    Poll Finding

    KFF's Health Tracking Poll finds that more than three-quarters of the public say they want Congress to extend the ACA enhanced premium tax credits that are set to expire at the end of this year. If the credits do expire and the average premium more than doubles, seven in 10 of those who purchase their own insurance say they would not be able to afford premiums without significantly disrupting their household finances.

  • Health Care Costs and Affordability

    Feature

    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 across the population, the impact of costs on care affordability and individuals' overall financial vulnerability.  

  • Employer-Sponsored Health Insurance 101

    Feature

    This Health Policy 101 chapter explores employer-sponsored health insurance (ESI), the primary health coverage source for non-elderly residents in the U.S. In addition to detailing ESI requirements and incentives, structure, availability, and costs, the chapter examines ongoing challenges related to affordability and access to care for those with ESI coverage.

  • International Comparison of Health Systems

    Feature

    This Health Policy 101 chapter explores the performance of the U.S. health system on a number of cost, outcomes, and quality measures by comparing it with those in similarly large and wealthy OECD nations. It highlights that despite significant spending, Americans have shorter life expectancies and encounter more barriers to health care, influenced by both the health system's structure and broader socioeconomic factors.

  • How an ACA Premium Spike Will Affect Family Budgets, and Voters

    From Drew Altman

    In his latest column, President and CEO Dr. Drew Altman shows how spiking premiums, which may come if the enhanced ACA tax credits are not extended, will hit people in the context of their family budgets, alongside rising costs for food, housing and utilities. For some families, their new health care costs could far exceed what they pay for food, affecting their economic security and potentially their vote.

  • Why Might Republicans Consider Extending Obamacare Tax Credits?

    Quick Take

    KFF Vice President Cynthia Cox takes a broader look at the expiring enhanced tax credits, which Congressional Democrats have made central to their government funding demands, and how they lower health costs for many traditionally Republican constituencies, such as people in southern states, small business owners and employees, farmers and ranchers, older adults, and rural Americans.