Workers’ health insurance costs
An employee’s premium contribution is the part paid by the worker. It differs from the total premium and from a deductible that applies when someone uses care.
United States Total premium · family coverage
$26,281
per enrolled employee per year 2025
Data from Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey–Insurance Component
Choose another place under “Refine this comparison” to compare the same data.
Change, 2024 to 2025
+$1,741 (+7.09%)
Changes over time
Total premium · family coverage in the United States rose 7.09% from 2024
per enrolled employee per year · 1996 to 2025
A break in the line marks a period without a published value.
Compare places on a map
Total premium · family coverage by state
2025 · per enrolled employee per year
Total premium · family coverage · 2025
| Place | dollars |
|---|---|
| Alaska | 30,132 |
| New York | 29,752 |
| New Jersey | 29,666 |
| Massachusetts | 29,619 |
| District of Columbia | 29,371 |
| Connecticut | 28,700 |
| Illinois | 28,248 |
| New Hampshire | 28,161 |
| Washington | 27,618 |
| Rhode Island | 27,361 |
| Wisconsin | 27,309 |
| Virginia | 27,257 |
| Oregon | 27,182 |
| Wyoming | 27,084 |
| California | 27,057 |
| Nebraska | 26,830 |
| Pennsylvania | 26,623 |
| New Mexico | 26,482 |
| Georgia | 26,439 |
| South Dakota | 26,110 |
| Maine | 26,106 |
| West Virginia | 26,094 |
| Idaho | 25,957 |
| Minnesota | 25,947 |
| Louisiana | 25,647 |
| Delaware | 25,600 |
| Missouri | 25,520 |
| Kansas | 25,493 |
| Vermont | 25,450 |
| Florida | 25,396 |
| North Carolina | 25,311 |
| Iowa | 25,181 |
| Tennessee | 25,123 |
| Utah | 25,122 |
| Colorado | 25,055 |
| Texas | 25,053 |
| South Carolina | 25,046 |
| North Dakota | 24,903 |
| Maryland | 24,717 |
| Ohio | 24,661 |
| Kentucky | 24,520 |
| Oklahoma | 24,483 |
| Michigan | 23,800 |
| Hawaii | 23,603 |
| Alabama | 23,554 |
| Indiana | 23,497 |
| Arizona | 23,143 |
| Nevada | 23,075 |
| Arkansas | 22,956 |
| Montana | 21,989 |
| Mississippi | 21,932 |
Source: Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey–Insurance Component
Available history
| Data period | United States (dollars) |
|---|---|
| 2025 | 26,281.00 |
| 2024 | 24,540.00 |
| 2023 | 23,938.00 |
| 2022 | 21,931.00 |
| 2021 | 21,381.00 |
| 2020 | 20,758.00 |
| 2019 | 20,486.00 |
| 2018 | 19,565.00 |
| 2017 | 18,687.00 |
| 2016 | 17,710.00 |
| 2015 | 17,322.00 |
| 2014 | 16,655.00 |
| 2013 | 16,029.00 |
| 2012 | 15,473.00 |
| 2011 | 15,022.00 |
| 2010 | 13,871.00 |
| 2009 | 13,027.00 |
| 2008 | 12,298.00 |
| 2006 | 11,381.00 |
| 2005 | 10,728.00 |
| 2004 | 10,006.00 |
| 2003 | 9,249.00 |
| 2002 | 8,469.01 |
| 2001 | 7,508.94 |
| 2000 | 6,772.47 |
| 1999 | 6,058.12 |
| 1998 | 5,590.41 |
| 1997 | 5,332.00 |
| 1996 | 4,954.00 |
Source: Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey–Insurance ComponentDownload data (CSV)
Sources and method
Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey–Insurance Component supplies the figures shown.
These estimates cover private-sector employer health plans. Worker contributions are what employees pay toward premiums. Total premiums also include the employer-paid portion; deductibles apply when covered care is used.
About these figures
These estimates describe employer-sponsored coverage in the source population. They do not describe every worker or the price of an individual Marketplace plan.
Place comparisons use the same data period. An older common period is named beside the comparison. A missing or withheld value is never changed to zero.
The CSV includes the original source notes, annotations and estimate margins where supplied. Original source data remain subject to their publishers’ terms.
We write with AI tools. Every figure comes from the data and sources named on this page, and automated checks compare it with them before it's published.