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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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  • Claims Denials and Appeals in ACA Marketplace Plans in 2021

    Issue Brief

    This analysis of HealthCare.gov Marketplace insurers' transparency data finds that 17% of in-network claims were denied in 2021, with denial rates varying widely across insurers. Consumers appealed less than two-tenths of 1% of denied in-network claims.

  • Most Adults with Medicaid Work for an Employer That Does Not Offer Job-Based Coverage or Are Not Eligible if Their Employer Offers Coverage

    Medicaid Workers and Job-Based Insurance: Who Is Offered, Eligible, and Enrolled?

    Issue Brief

    Most adult Medicaid enrollees who will be subject to new work requirements are already working but rely on Medicaid because their employers do not offer health coverage or they are not eligible for the coverage offered at their job. This analysis examines the availability of job-based insurance in 2024 for adult Medicaid workers ages 19 to 64.

  • How ACA Marketplace Costs Compare to Employer-Sponsored Health Insurance

    How ACA Marketplace Costs Compare to Employer-Sponsored Health Insurance

    Issue Brief

    This analysis compares ACA Marketplace costs to employer-sponsored health insurance costs and finds that individual market premiums have become more similar to employer-sponsored premiums over time. In 2024, individual market insurance premiums averaged $540 per member per month, slightly below the average $587 per member per month premium for fully-insured employer coverage. The analysis uses data from Mark Farrah Associates Health Coverage Portal to compare average premiums in the individual and group insurance markets. The…

  • 2025 California Health Benefits Survey

    Report

    The survey provides an in-depth look at trends in employer-sponsored coverage in California, including premiums, cost sharing, offer rates, and employer strategies to manage costs and access to care, including comparisons to the nation overall.

  • A promotional image for the the KFF Health Policy 101 Employer-Sponsored Health Insurance chapter

    Employer-Sponsored Health Insurance 101

    Feature

    This Health Policy 101 chapter explores employer-sponsored health insurance (ESI), the primary health coverage source for U.S. residents under age 65. In addition to detailing ESI requirements and incentives, structure, availability, and costs, the chapter examines ongoing challenges related to affordability and access to care for those with ESI coverage.