In 2025, the average annual premium for family health insurance reached $26,993, according to KFF’s employer health benefits survey.
From January to July, Davis Research interviewed business owners and human resource and benefits managers at 1,862 firms for the survey. The interviews addressed costs, coverage, eligibility, enrollment and more.
Here are seven other notes about the cost of health insurance:
1. Family premiums were 6% higher than last year, with workers contributing $6,850 annually on average.
2. Compared to five years ago, these premiums are 26% higher, and the worker contribution is 23% higher. However, these increases roughly align with inflation and wage growth.
3. The single-coverage average premium was 5% higher, reaching $9,325.
4. Firms where younger workers make up at least 35% of the staff had lower average premiums for family coverage.
5. Single-coverage premiums were similar among larger and smaller firms, but the annual family premium was over $1,000 less at smaller workplaces.
6. Premiums for covered workers are relatively steeper in the Northeast and lower in the South.
7. Costs tend to be lower for covered workers at private, for-profit firms and higher for those at private, nonprofit organizations.
