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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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  • How Have Costs Associated With Obesity Changed Over Time?

    Issue Brief

    This analysis finds that, among people with large employer health plans, those with an obesity diagnosis on average have higher total and out-of-pocket spending than those without an obesity diagnosis. It also examines the cost of common surgical and pharmacological treatments for obesity. 

  • How Do Facility Fees Contribute To Rising Emergency Department Costs?

    Issue Brief

    With the high costs of emergency department visits of significant importance to consumers and policymakers, this analysis examines claims data from privately insured individuals with large employer health plans, to examine the role that facility fees play in rising cost of emergency care.

  • Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2026

    Interactive

    Since 1999, the Employer Health Benefits Survey has documented trends in employer-sponsored health insurance. Every year, private and non-federal public employers with 10 or more employees complete the survey. Among other topics, the survey asks firms for the premium (or full per-person cost) of their health coverage, as well as worker contributions (amount of the premium that workers pay). The graphing tool below looks at changes in premiums and worker contributions over time for covered…

  • U.S. Health Spending Is Expected to Reach $9 Trillion by 2034

    How Much is Health Spending Expected to Grow?

    Feature

    This chart collection explores how much health spending is expected to grow in the coming years, with a look at growth in prescription drug spending, out-of-pocket spending, and related trends.

  • Workers Now Pay $7,471 on Average Annually for Family Health Coverage, Up 9% or $621 from 2025, Benchmark Employer Health Benefits Survey Finds

    News Release

    Workers are paying on average $7,471 annually toward the premiums for employer-sponsored family health benefits this year, which is up 9%, or $621, from 2025, per KFF’s annual benchmark health benefits survey of large and small employers. The burden of family premiums hits particularly hard for workers at small firms with less than 200 workers. On average, covered workers in small firms are contributing $9,687 annually toward family coverage this year. That’s $2,847 more than…

  • Health Care and Gasoline Costs Tied as Top Economic Worries

    Americans’ Challenges with Health Care Costs

    Issue Brief

    This data note summarizes recent KFF polling on Americans’ experiences with health care costs, which factor into decisions about insurance coverage and care seeking and consistently ranks as a top financial worry for adults and their families.