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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 →

New and Noteworthy

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

A new analysis of initial rate filings for Affordable Care Act (ACA) Marketplace plans submitted by 312 insurers in all 50 states and the District of Columbia finds the median proposed increase for 2026 is 18%, more than double last year’s 7% median proposed increase. The proposed rates are preliminary and could change before being finalized in late summer. In addition to rising cost and utilization of services, insurers cited the expiration of enhanced premium tax credits as a significant factor in their rate hikes for next year.

Explaining Individual Coverage Health Reimbursement Arrangements (ICHRAs)

Examining Short-Term Limited-Duration Health Plans

Health Savings Account Provisions in the 2025 Tax and Spending Law

Consumer Experiences with Health Insurance

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  • Coverage of Contraceptive Services: A Review of Health Insurance Plans in Five States

    Report

    The Patient Protection and Affordable Care Act (ACA) requires most private plans to provide coverage for women’s preventive health care, including all prescribed FDA-approved contraceptive services, without cost sharing. To better understand how this provision is being implemented by health plans, Kaiser Family Foundation (KFF) staff, with the Lewin Group, reviewed the insurance plan coverage policies for 12 prescribed contraceptive methods (excluding oral contraceptives). This report presents information from 20 different insurance carriers in five states (California, Georgia, Michigan, New Jersey, and Texas) about how they are applying reasonable medical management (RMM) techniques in their coverage of women’s contraceptive services. The different forms of female birth control reviewed in this report include the contraceptive ring, the patch, injections, implants, intrauterine devices (IUDs), and sterilization.

  • Why Low Growth in Health Costs Still Stings

    News Release

    In his latest column for The Wall Street Journal's Think Tank, Drew Altman shows how rising deductibles have eclipsed growth in wages and discusses why that may be the main reason people think costs have been continuing to rise rapidly when instead, growth has slowed. All previous columns by Drew Altman are available online.

  • Why Data on Health-Care Price Variation Doesn’t Itself Solve the Problem

    News Release

    In his latest column for The Wall Street Journal's Think Tank, Drew Altman discusses a new Blue Cross Blue Shield Association report on “extreme price variation” in health care services and the limits of consumer information as a solution to the problem. All previous columns by Drew Altman are available online.

  • Consumer Assets and Patient Cost Sharing

    Issue Brief

    Higher cost sharing in private insurance has been credited with helping to slow the growth of health care costs in recent years. For families with low incomes or moderate incomes, however, high deductibles, out-of-pocket limits and other cost sharing can be a potential barrier to care and may lead these families to significant financial difficulties. This issue brief uses information from the Federal Reserve Board's 2013 Survey of Consumer Finances to look at how household resources match up against potential cost-sharing requirements for plans offered by employers or available in the individual market, including in the Affordable Care Act marketplaces.

  • Insurance Markets in a Post-King World

    Perspective

    This perspective addresses how insurance markets might respond if the US Supreme Court sides with the plaintiffs in the King v. Burwell case. The case challenges the legality of premium and cost-sharing subsidies for low- and middle-income people buying insurance in states where the federal government rather than the state is operating the marketplace under the Affordable Care Act (ACA).

  • What Do We Know About Health Care Access and Quality in Medicare Advantage Versus the Traditional Medicare Program?

    Report

    As the number of Medicare Advantage enrollees continues to climb, there is growing interest in understanding how the care provided to Medicare beneficiaries in Medicare Advantage plans differs from the care received by beneficiaries in traditional Medicare. This literature review of more than 40 studies synthesizes the evidence to date comparing access and quality for beneficiaries in Medicare Advantage plans and traditional Medicare.

  • Change in Benchmark Silver Premiums, 2014 – 2015

    Feature

    Change in Benchmark Silver Premiums 2015 MAP_HI_and_MA.ppt Download Source Kaiser Family Foundation analysis of data from Healthcare.gov and insurer rate filings to state regulators. For more information see  “Analysis of 2015 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces” Sept. 2014.

  • Taking Stock and Taking Steps: A Report from the Field after the First Year of Marketplace Consumer Assistance under the ACA

    Report

    This report summarizes experiences of Marketplace assistance programs as they helped consumers enroll in coverage during the first Open Enrollment period under the Affordable Care Act. Insights about what worked and where improvements could help are drawn from discussions of assisters and other experts who participated in a Consumer Assistance Roundtable, jointly sponsored by the Kaiser Family Foundation and the Robert Wood Johnson Foundation in June, 2014.