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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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  • 2017 Employer Health Benefits Survey

    Report

    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.

  • Web Briefing for Media: 2017 Kaiser/HRET Employer Health Benefits Survey

    Event Date:
    Event

    The Kaiser Family Foundation and the Health Research & Educational Trust (HRET) held a reporters-only web briefing on Tuesday, September 19 to release their 2017 benchmark Employer Health Benefits Survey. The 19th annual Kaiser/HRET survey provides a detailed look at the current state of employer-based coverage and trends in private health insurance for both large and small firms. Key findings examine average premiums for workers and employers and their rate of increase; average deductibles, drug co-payments…

  • How to Keep ACA Stabilization Narrow

    From Drew Altman

    In this column for Axios, Drew Altman discusses the main challenges for members and media coverage as members take up the issue of stabilization of the Affordable Care Act.

  • Kaiser Health Tracking Poll – August 2017: The Politics of ACA Repeal and Replace Efforts

    Feature

    Following the U.S. Senate’s failed vote on the “skinny repeal”, the latest Kaiser Health Tracking Poll finds that the majority of the public say it is a “good thing” that the Senate did not pass the bill that would have repealed and replaced the ACA. A large share of Americans think President Trump and his administration should do what they can to make the current health care law work and a majority of the public…

  • Early Analysis of 21 Major Cities Tracks ACA Marketplace Premium Changes, Insurer Participation, Uncertainty

    News Release

    As insurers grapple with continuing uncertainty surrounding 2018 Affordable Care Act (ACA) marketplaces, a new Kaiser Family Foundation analysis of initial filings in 21 major cities finds that changes in 2018 benchmark silver plan premiums are likely to range widely, from a decrease of 5 percent in Providence, R.I., to an increase of 49 percent in Wilmington, Del., without factoring in tax credits. However, the analysis finds that preliminary rates will likely change, and some…

  • The ACA Stability “Crisis” In Perspective

    From Drew Altman

    In this column for Axios, Drew Altman presents new data analysis showing how many people are impacted by premium increases in the non-group market, and discusses the implications. 

  • What’s the Near-Term Outlook for the Affordable Care Act?

    News Release

    With congressional Republicans’ efforts to repeal the Affordable Care Act on hold, a new issue brief from the Kaiser Family Foundation answers questions about the current state of the 2010 health law, zeroing in on the individual insurance marketplaces that the law established. Questions addressed by the brief include: Is Obamacare failing? How would administrative actions affect market stability? What happens if the market fails? What might be done to strengthen the Marketplaces?