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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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  • Survey: Adjusting to Sudden Reduction in Federal Funds, ACA Navigators Expect to Decrease Services

    News Release

    Many navigator organizations responsible for helping consumers understand and sign up for health coverage in 2018 Affordable Care Act (ACA) marketplaces say steep federal funding reductions that recently took effect will likely force them to limit their geographic service area, cut back outreach and public education, lay off staff members, and curtail other assistance, according…

  • Data Note: Changes in 2017 Federal Navigator Funding

    Issue Brief

    This data note analyzes federal funding changes for Affordable Care Act (ACA) marketplace navigators in 2017 and discusses the implications for both the navigators and consumers. It presents results of a Kaiser Family Foundation online survey of federal marketplace (FFM) navigator programs and includes insights from a roundtable meeting of more than 40 navigators co-hosted by the Robert Wood Johnson Foundation and Kaiser Family Foundation.

  • Payments for Cost Sharing Increasing Rapidly Over Time

    Issue Brief

    This Kaiser Family Foundation analysis finds that for workers covered by their employer's health plans, out-of-pocket costs including deductibles and coinsurance have been increasing significantly faster than costs paid by insurers, reflecting a decade-long trend toward slightly less generous coverage.

  • Interactive Maps: Estimates of Enrollment in ACA Marketplaces and Medicaid Expansion

    Interactive

    As the 115th U.S. Congress deliberates the future of the Affordable Care Act, also known as Obamacare, an interactive map from the Kaiser Family Foundation provides estimates of the number of people in each congressional district who enrolled in a 2017 ACA marketplace health plan and the political party of each district’s representative as of October 2017. The analysis also includes maps charting the total number of people enrolled under the ACA Medicaid expansion in 2016 in states that implemented the ACA Medicaid expansion, along with the political parties of their governors and U.S. senators.

  • Public Ranks Children’s Health Insurance, Marketplace Stabilization Higher Priorities than ACA Repeal

    News Release

    Majorities Support Buy-In Ideas for Medicaid and Medicare Among health priorities facing urgent deadlines in Washington in September, the public ranks repeal of the Affordable Care Act lower than reauthorizing funding for the Children’s Health Insurance Program (CHIP) and stabilizing individual health insurance marketplaces established by the ACA, the Kaiser Family Foundation’s new tracking poll…

  • Kaiser Health Tracking Poll – September 2017: What’s Next for Health Care?

    Feature

    This poll finds large majorities across all parties say reauthorizing funding for the Children's Health Insurance Program (CHIP) is an important priority for Congress; however, a larger share of Republicans also say it is important for Congress to work on repealing and replacing the Affordable Care Act (also known as Obamacare). This month's Kaiser Health Tracking Poll also examines public support for a variety of competing health care policies aimed at improving or replacing the 2010 health care law, including single-payer.

  • 2017 Employer Health Benefits Survey

    Feature

    Excerpt: This annual Employer Health Benefits Survey (EHBS) provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, and other relevant information. The 2017 survey finds average family health premiums rose 3 percent, the sixth straight year of relatively modest growth, to reach 18,764 annually on average.