Survey: Premiums for employer-based family coverage surpassed $28,000 in 2026

Average annual premiums for employer-based family health coverage reached $28,303 in 2026, up 5% from 2025, according to the latest KFF annual survey on employer health benefits. Workers this year have contributed $7,471 toward family coverage, on average. For those with an annual deductible for single coverage, the average deductible reached $1,955 in 2026, compared to $1,886 in 2025. Employers reported trying numerous strategies to mitigate rising premiums, including direct contracting with healthcare providers, establishing on-site and near-site clinics, changing insurers, implementing a tiered or narrow network, and reducing eligibility for certain benefits.