Nationally, employees contribute an average of $7,314 per year toward the cost of employer-sponsored family health insurance, 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 employee contribution toward a family premium:
- Oregon: $9,374
- Virginia: $8,692
- Arizona: $8,493
- South Carolina: $8,269
- Kansas: $8,222
- Washington: $8,222
- North Carolina: $8,073
- District of Columbia: $8,028
- Florida: $7,976
- Texas: $7,913
- Nevada: $7,902
- Vermont: $7,870
- California: $7,847
- Illinois: $7,838
- Arkansas: $7,824
- Louisiana: $7,808
- Alabama: $7,540
- Iowa: $7,533
- Massachusetts: $7,501
- New Hampshire: $7,434
- Georgia: $7,224
- Maine: $7,079
- New York: $7,075
- New Jersey: $7,053
- Rhode Island: $7,028
- Minnesota: $7,013
- Delaware: $6,993
- Oklahoma: $6,955
- South Dakota: $6,892
- Wyoming: $6,830
- Missouri: $6,797
- New Mexico: $6,761
- Colorado: $6,733
- Pennsylvania: $6,720
- Indiana: $6,650
- Maryland: $6,502
- Ohio: $6,453
- Idaho: $6,439
- Michigan: $6,437
- Nebraska: $6,369
- Mississippi: $6,228
- Alaska: $6,171
- Wisconsin: $6,148
- Kentucky: $5,982
- Tennessee: $5,972
- North Dakota: $5,586
- Utah: $5,567
- Hawaii: $5,531
- West Virginia: $5,129
- Connecticut: $4,979
- Montana: $4,967
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.
