The average annual cost of private health insurance in the U.S. in 2023 was approximately $8,435 for single coverage and $23,968 for family coverage. These premiums have increased in recent years, with family premiums rising 22% since 2018 and 47% since 2013. In 2021, the average costs were $7,380 for single coverage, $14,634 for employee-plus-one coverage, and $21,381 for family coverage.
The average annual cost of employer-sponsored private health insurance in the U.S. in 2024 is $8,951 for single coverage and $25,572 for family coverage. These premiums have increased over the years, with single coverage increasing by 6% and family coverage by 7% compared to the previous year.
The average annual cost to employees for employer-sponsored health insurance in the US has steadily increased. In 2023, the average employee contribution was $1,401 for single coverage and $6,575 for family coverage, according to KFF. In 2024, the average employee contribution for family coverage was $6,296, says KFF. The average total premium for employer-sponsored health insurance in 2023 was $23,938.
In 2025, employees in the US can expect to pay an average of $2,900 to $3,000 annually towards their employer-sponsored private health insurance. This represents approximately 15% to 20% of the total premium cost, as employers typically cover the remaining portion.
In 2023, 53.7% of the U.S. population had employment-based health insurance. This means that approximately 46.3% of the U.S. population did not have coverage through their employer in 2023. While it's difficult to predict the exact number for 2025, this provides a reasonable estimate based on current data.
https://www.google.com/search?q=us+history+of+cost+shifting+in+healthcare
U.S. healthcare spending has risen dramatically since 1960, driven by factors like technological advancements, increased access to care, and changes in demographics. Specifically, per capita health spending increased from $147 in 1960 to $9,255 in 2013, according to the Centers for Medicare & Medicaid Services (CMS). By 2023, it had reached $14,570 per capita.
1960: Total health
spending was $147 per person.
1970: Health spending
totaled $74.1 billion, and per capita spending was $353.
2000: Health expenditures
reached about $1.4 trillion.
2022: Health spending
tripled to $4.5 trillion.
2023: Health spending grew to $4.9 trillion, reaching $14,570 per person.
Comments
Prior to 1965, employers funded medical plans for their retirees. In 1965, the US Congress passed the Medicare Bill that exempted employers from funding their retiree medical plans.
Norb Leahy, Dunwoody GA Tea Party Leader
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