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Workers Now Pay $7,471 on Average Annually for Family Health Coverage, Up 9% or $621 from 2025

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. This benchmark annual 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.

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What Are the Recent Trends in Employer-Based Health Coverage?

Employer-sponsored health insurance is the largest source of health coverage for people under 65. This analysis examines who among people under 65 have employer coverage and which workers are offered and eligible for coverage at their jobs, using the Annual Economic and Social (March) Supplements of the Current Population Survey.

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  • Ground Ambulance Rides and Potential for Surprise Billing

    Issue Brief

    This analysis for the Peterson-KFF Health System Tracker finds that half of emergency ground ambulance rides result in an out-of-network charge for people with private health insurance, potentially leaving patients at risk of getting a surprise bill.

  • Summary of the Affordable Care Act

    Fact Sheet

    This document summarizes the comprehensive 2010 health reform law, often called the Affordable Care Act or ACA, including changes made to it by subsequent legislation, with a focus on provisions to expand coverage, control costs, and improve delivery systems.

  • California’s Uninsured on the Eve of ACA Open Enrollment

    Report

    This report presents the findings of a baseline survey of California’s uninsured adult population just before the start of the first open enrollment period under the Affordable Care Act (ACA). It will be followed by three other surveys over the course of the next two years that will capture the changing experiences and attitudes of this same group of 2,000 people over time, whether they obtain coverage or remain uninsured. The report analyzes the uninsured…

  • Family Health Premiums Rise 3 Percent to $13,770 in 2010, But Workers’ Share Jumps 14 Percent as Firms Shift Cost Burden

    News Release

    About One In Four Covered Workers Now Face Annual Deductibles Of $1,000 Or More, Including Nearly Half Of Those Employed By Small Businesses WASHINGTON, D.C. --  Workers on average are paying nearly $4,000 this year toward the cost of family health coverage - an increase of 14 percent, or $482, above what they paid last year, according to the benchmark 2010 Employer Health Benefits Survey released today by the Kaiser Family Foundation and the Health…

  • Visualizing Health Policy: Recent Trends in Employer-Sponsored Health Insurance Premiums

    Other Post

    This Visualizing Health Policy infographic charts recent trends in employer-sponsored health insurance premiums. Between 1999 and 2015, premiums increased by 203 percent, outpacing both inflation and workers’ earnings. However, growth of premiums for family coverage slowed toward the end of that time period, from an average of 11 percent a year between 1999 and 2005, to 5 percent between 2005 and 2015. In recent years, deductibles rose faster than both premiums and wages, with the…

  • Amid Merger Talk, a Look at Health Insurers’ Medicare Business

    From Drew Altman

    With recent news about possible health insurance company mergers, Drew Altman looks beyond the impact on Wall Street to how mergers could affect Medicare beneficiaries in this column for The Wall Street Journal's Think Tank.

  • How Private Insurers Are Using Telehealth to Respond to the Pandemic

    Issue Brief

    Private insurance plans have taken a variety of steps to expand telemedicine uptake and access during the COVID-19 pandemic. A new issue brief on the Peterson-KFF Health System Tracker examines four actions private insurers have taken to promote telehealth usage among plan enrollees.