Cost of Employer-Sponsored Health Insurance Plans Rises Again, Nonpartisan Survey Finds

WASHINGTON — The price health insurance companies charge for employer-sponsored plans increased again this year, as did the deductible many people must pay before those plans begin covering most healthcare costs, according to a survey released Thursday by the nonpartisan health organization KFF.

The cost of individual health insurance plans rose to $9,804 on average, while family coverage reached $28,303. Both represented a 5% increase over the last year.

Employees paid about $1,672 for individual coverage, while employers contributed $8,132. People with health insurance for a family of four paid $7,471, with employers providing $20,833.

The amount of money an employee pays toward an individual health insurance plan rose by $232, or 16%, from 2025 to 2026. The price an employee pays for a family health insurance policy increased by $621, or 9%, according to the survey.

“We have been hearing a lot about Affordable Care Act and Medicaid cuts,” KFF President and CEO Drew Altman said in a statement. “Now add a 9% increase in what workers with employer coverage paid toward family premiums in 2026 to the reasons voters are so concerned about their health care costs.”

The national survey looked at the health insurance costs of more than 1,900 employers throughout the country who have at least 10 workers.

The cost of employer-sponsored health insurance plans has steadily gone up for the last 15 years, according to KFF’s data. In 2011, the cost of an individual plan totaled just under $5,500, and family plans cost $15,220 annually.

The average deductible reached $1,995 for single coverage this year, meaning even with health insurance, most employees had to pay a couple thousand dollars out of pocket before their policies kicked in. That’s more than doubled since 2011, when the average annual deductible was $955.

The KFF survey found that 88% of workers with individual coverage had a deductible in 2026.

What types of healthcare coverage people get with the various employer-sponsored health insurance plans varied considerably, sometimes based on the size of their company.

Twenty-seven percent of employers with more than 200 employees, called large firms in the KFF survey, covered the costs of in vitro fertilization, or IVF.

But that fluctuated, with 24% of companies between 200 and 999 workers covering IVF, 38% of companies between 1,000 and 4,999 employees providing coverage, and 47% of companies with more than 5,000 workers offering a health insurance plan that covers IVF.

Access to GLP-1 drugs, which can help people manage Type 2 diabetes and lower their weight, also varied based on the size of someone’s employer. Eighteen percent of large firms covered those drugs during 2026, though that was slightly lower than the 19% that covered it during 2025.

The KFF survey showed that 40% of companies require people on GLP-1 drugs for weight loss to “meet with a dietitian, case manager, or therapist, or participate in a lifestyle program in order for the drug to be covered.”

By Jennifer Shutt, Virginia Mercury

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