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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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  • Kaiser Health Tracking Poll: Health Care Priorities for 2017

    Feature

    The most recent Kaiser Health Tracking Poll finds that health care is among the top issues, with the economy and jobs and immigration, Americans want President-elect Donald Trump and the next Congress to address in 2017. As Congressional lawmakers make plans for the future of the Affordable Care Act, the latest survey finds the public is divided on what they would like lawmakers to do when it comes to the 2010 health care law with…

  • Poll: Public Divided on Repealing Obamacare, But Few Want It Repealed Without Replacement Details

    News Release

    As Congress begins to work on repealing and replacing the Affordable Care Act, the latest Kaiser Health Tracking Poll finds that one in five Americans (20%) support repeal alone, while three quarters either oppose repeal altogether (47%) or want to wait to repeal the law until the replacement plan’s details are known (28%). Overall, the poll finds that nearly equal shares say that the next Congress should vote to repeal the law (49%) and that…

  • Public Ranks Drug Costs and Sufficient Provider Networks Ahead of Affordable Care Act Changes as Health Care Priorities for Next President and Congress to Address

    News Release

    As the 2016 campaign nears its end, the latest Kaiser Health Tracking Poll examines the public’s view on health care priorities for the next president and Congress. Overall, Americans rank addressing high prescription drug costs and ensuring adequate provider networks in insurance plans among their top health care priorities. Health care itself is not playing a major role in the election, as the poll finds the candidates’ characteristics, the economy and jobs, and foreign policy…

  • More than 8 in 10 Workers With Spousal Health Benefits Have Access to Same-Sex Spousal Benefits, Analysis Finds

    News Release

    Following two major Supreme Court rulings on same-sex marriage, a new Kaiser Family Foundation data note finds that in 2016, 84 percent of employees who worked at firms offering spousal health benefits also had access to same-sex spousal benefits. Eight percent did not have access, while another 8 percent worked at firms who reported they had not encountered this benefits issue. The data note draws from responses to the Kaiser/Health Research & Educational Trust (Kaiser/HRET)…

  • 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.

  • Analysis of UnitedHealth Group’s Premiums and Participation in ACA Marketplaces

    Issue Brief

    This analysis looks at how a potential withdrawal by UnitedHealth Group from the Affordable Care Act (ACA) marketplaces in 2017 could impact insurer competition and premiums, finding a significant impact in some markets, though it would have a minimal effect on the average benchmark premium nationwide, The impacts of a UnitedHealth withdrawal would vary considerably by state and market area, with a more pronounced effect in rural areas. Since UnitedHealth often is not one of…

  • The Affordable Care Act After Six Years

    From Drew Altman

    In this column for The Wall Street Journal’s Think Tank, Drew Altman examines the role of the Affordable Care Act in the health system on its sixth anniversary, and how the hot debate about the law may have created an exaggerated impression of the good and the bad it can do.