Family health insurance coverage through employer-sponsored plans in the US cost an average of $26,993 in 2025. That’s according to a new survey by KFF, which also found that workers on average contributed $6,850 from their own paychecks for that coverage. KFF further reports (“Annual Family Premiums for Employer Coverage Rise 6% in 2025, Nearing $27,000, with Workers Paying $6,850 Toward Premiums Out of Their Paychecks,” KFF, Oct. 22, 2025):

“Many employers may be bracing for higher costs next year, with insurers requesting double-digit increases in the small-group and individual markets on average, possibly foreshadowing big increases in the large-group markets as well. Employers continue to single out drug prices as a factor contributing to higher premiums in recent years.

“Among large firms (at least 200 workers), who are more likely to know details of their health insurance costs, more than a third (36%) say prescription drug prices contributed “a great deal” to higher premiums in recent years. Significant shares say the same about coverage for new prescription drugs (22%) as well as the prevalence of chronic disease (30%), higher utilization of services (26%), and hospital prices (22%).”

KFF also noted that:

“Part-time workers generally are not eligible for their employer’s health benefits, with only 27% of large firms and 18% of small firms offering coverage to part-time workers.

“A much smaller share of workers is covered by their employer’s health benefits at firms with many low-wage workers (43%) than at firms with few low-wage workers (64%). One third (34%) of small employers that do not offer health benefits say that Medicaid is a ‘very important’ source of coverage for their workers, and another one in five (22%) say Medicaid is ‘somewhat important.’

“The survey also finds that Individual Coverage Health Reimbursement Arrangements (ICHRAs) — a much-hyped option to help workers purchase coverage through the Affordable Care Act (ACA) Marketplaces or elsewhere on the individual market —have not taken off.”

The journal Health Affairs has a special open access article on the new survey, “Health Benefits In 2025: Family Premiums Rise 6 Percent, Large Employers Increase Coverage Of GLP-1s For Weight Loss.”

The full report, “2025 Employer Health Benefits Survey,” and related materials are available at the KFF website.

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World Health Systems Facts is a project of the Real Reporting Foundation. We provide reliable statistics and other data from authoritative sources regarding health systems and policies in the US and sixteen other OECD member nations.

Page last updated November 3, 2025 by Doug McVay, Editor.