Nationally, the average annual deductible for family coverage under an employer-based health insurance plan is $3,997, 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 family-coverage deductible per enrolled employee:
- Vermont: $5,220
- Arizona: $5,039
- North Dakota: $4,943
- Wisconsin: $4,914
- Nebraska: $4,901
- Montana: $4,825
- New Hampshire: $4,797
- Washington: $4,769
- Minnesota: $4,639
- Ohio: $4,532
- Colorado: $4,522
- Virginia: $4,452
- South Dakota: $4,364
- Missouri: $4,352
- Kansas: $4,312
- Connecticut: $4,308
- Arkansas: $4,279
- Maine: $4,278
- Indiana: $4,275
- New Mexico: $4,245
- Oklahoma: $4,245
- Iowa: $4,232
- Nevada: $4,205
- Georgia: $4,193
- Utah: $4,164
- Pennsylvania: $4,153
- Texas: $4,106
- South Carolina: $4,037
- Florida: $3,973
- Rhode Island: $3,941
- Tennessee: $3,921
- North Carolina: $3,881
- Wyoming: $3,864
- Mississippi: $3,776
- California: $3,768
- Idaho: $3,753
- Illinois: $3,662
- Louisiana: $3,638
- New York: $3,624
- Oregon: $3,604
- Delaware: $3,579
- Kentucky: $3,520
- District of Columbia: $3,498
- Massachusetts: $3,370
- Michigan: $3,368
- Alaska: $3,357
- New Jersey: $3,280
- West Virginia: $3,275
- Alabama: $3,258
- Maryland: $3,015
- Hawaii: $2,563
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.
