Nationally, the average annual deductible for single coverage under an employer-based health insurance plan is $2,169, according to an analysis from KFF.
The 2025 data comes from the Agency for Healthcare Research and Quality’s Medical Expenditure Panel Survey Insurance Component, an annual survey of employers.
States ranked by average annual single-coverage deductible per enrolled employee:
- Montana: $2,851
- Vermont: $2,677
- Nebraska: $2,676
- Maine: $2,665
- South Dakota: $2,660
- New Hampshire: $2,635
- Wisconsin: $2,631
- Arizona: $2,571
- Minnesota: $2,498
- Colorado: $2,490
- Oregon: $2,464
- Texas: $2,464
- Connecticut: $2,454
- South Carolina: $2,426
- Indiana: $2,422
- Ohio: $2,397
- Kansas: $2,363
- Arkansas: $2,335
- Maryland: $2,308
- Mississippi: $2,285
- Idaho: $2,258
- North Carolina: $2,258
- Iowa: $2,254
- North Dakota: $2,250
- Virginia: $2,248
- Missouri: $2,247
- Kentucky: $2,211
- Georgia: $2,192
- Pennsylvania: $2,139
- Florida: $2,121
- Louisiana: $2,121
- Tennessee: $2,102
- Nevada: $2,099
- Washington: $2,072
- Oklahoma: $2,045
- Wyoming: $2,045
- West Virginia: $2,035
- Delaware: $2,014
- New Mexico: $2,005
- Utah: $2,000
- Illinois: $1,990
- Rhode Island: $1,975
- New York: $1,912
- Alaska: $1,905
- Michigan: $1,905
- Alabama: $1,826
- New Jersey: $1,825
- Massachusetts: $1,809
- California: $1,801
- District of Columbia: $1,613
- Hawaii: $1,124
At the Becker's 5th Annual Fall Payer Issues Roundtable, taking place November 2–3 in Chicago, payer executives and healthcare leaders will come together to discuss value-based care, regulatory changes, cost management strategies and innovations shaping the future of payer-provider collaboration. Apply for complimentary registration now.
