Single
Employee
The
average annual cost of company-sponsored health insurance for a single employee
in 2025 is $9,325, with the premium increasing by 5% from the previous
year. This average can vary depending on the type of plan, with PPOs averaging
higher premiums ($9,818) and high-deductible plans with a savings option
(HDHP/SO) averaging lower premiums ($8,620).
Average premium: $9,325 for single coverage. Annual increase: 5%.
Plan
variations:
PPO:
Higher average premium of $9,818.
HDHP/SO:
Lower average premium of $8,620.
Other factors: The cost can also differ based on company size and other firm characteristics.
In November 2025, the average annual cost for employer-sponsored health insurance for a single employee is approximately $9,325 in total premium, with the employee contributing an average of about $1,368 annually toward that premium.
Breakdown
of Costs
Average
Total Annual Premium: $9,325 to $9,525
Average
Annual Employer Contribution: Approximately $7,034 (or about 83% of the
premium)
Average
Annual Employee Contribution: Approximately $1,368 (or about 16% of the
premium)
This equates to roughly $132 per month for the employee.
Key
Details
Variability: These
costs represent a national average and can vary significantly based on plan
type (HMO, PPO, etc.), business size, industry, and geographic location.
Other
Costs: In addition to premiums, employees also face cost-sharing
provisions. The average annual deductible for a single-coverage plan is
approximately $1,886 in 2025.
Trends: The average single premium increased by about 5% in 2025 over the previous year, a rate higher than general inflation.
Married Couple
The
average annual cost for a company-sponsored family health insurance plan is
approximately $27,000 in 2025. This includes both the employer's and the
employee's contributions, with employees paying an average of
about $6,850 towards their family's premium.
Total annual cost: The total average annual premium for a family plan is around $26,993 to $27,000.
Employee
contribution: On average, employees pay about $6,850 of this cost.
Employer
contribution: The employer pays the remaining $20,143 on average.
Recent increase: This represents a 6% increase from 2024, the steepest increase in two decades.
In November 2025, the average annual premium for employer-sponsored family health insurance for a married couple is approximately $26,993. On average, workers contribute about $6,850 toward this cost, with employers covering the remaining balance.
Key details:
Total
Average Premium: The full average cost of a family plan, paid jointly by
the employer and employee, is nearly $27,000 annually.
Worker
Contribution: The amount an employee pays out of their paycheck for a
family plan averages $6,850 per year.
Employer Contribution: The employer's average contribution is around $20,143 annually.
Cost
Drivers: Prescription drug prices are often cited by employers as a
primary contributor to rising costs.
Variations: The
actual costs can vary significantly based on plan type (PPO, HMO, etc.), firm
size, and geographic location.
For
additional context on healthcare expenses, details on total costs including
premiums, deductibles, and out-of-pocket maximums can be found on the Healthcare.gov website. More
data and analysis on employer health benefits is available through the KFF
Employer Health Benefits Survey website.
Family of 4
The
average annual cost of company-sponsored health insurance for a family of four
is approximately $26,993 in 2025, a 6% increase from the previous
year. Employees typically contribute around $6,850 of this cost, while the
employer covers the remaining $20,143.
Total
average premium: ~$26,993
Average
employee contribution: ~$6,850
Average employer contribution: ~$20,143
The range of out-of-pocket costs for company health insurance ranges from Single Coverage at $1868 per year to Married Couple Coverage at $6850 per year to a Family of Four at $6850 per year.
Approximately 54% of the U.S. population was covered by employer-based health insurance for some or all of 2024, making it the most common type of coverage. While specific November 2025 data is not yet available, the 2024 figure suggests that around 178 million Americans had their health insurance through their employer. Coverage rates can vary significantly based on factors like firm size, income, and employment status.
Approximately 25% of employees do not opt for their employer's health insurance plan, based on a 2025 KFF survey where 75% of eligible workers enrolled. The decision to not enroll can be due to having other coverage, the plan being unaffordable, or simply not wanting the coverage.
Comments
Insurance
Coverage is in place for 95% of the US population if you add 54% Company
Sponsored plus 20% Medicare and 20% Medicaid.
If the 8% “Uninsured” is more accurate, then 92% of the US population are insured.
Trump’s
“favored nation plan” will greatly reduce drug costs in the US. Further action will restore “medically
necessary’ coverage that eliminates “elective coverage” now covered under
Obamacare. The “Make America Healthy Again” plan will further reduce healthcare
costs.
Hospitals are continuing to pursue technological breakthroughs to improve productivity and reduce costs. We have also seen vast improvements in cancer cures and better medical equipment and procedures.
While an official finalized number for November 2025 is not yet available, the projected U.S. life expectancy for 2025 is approximately 79.40 years, based on a slight increase from 2024. Final official figures are typically released by the CDC, and the 2024 life expectancy was 78.4 years. In 1965, the life expectancy at birth in the U.S. was 73.8 years for females and 66.8 years for males, making the overall average life expectancy approximately 70.2 years. US Life Expectancy has increased by 10 years over the past 60 years from age 70 to age 80.
Norb Leahy, Dunwoody GA Tea Party Leader
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