Average Health Insurance Deductible History, 2015–2026
The average annual deductible for single coverage in employer plans was $1,955 per year as of Oct 2026, according to KFF Employer Health Benefits Survey. That is 3.7% higher than a year earlier. Since January 2018 ($1,573), it is up 24.3%. In our data, which starts Jan 2015, the highest price was $1,955 (since Jan 2026) and the lowest was $1,318 (Jan 2015).
Average Health Insurance Deductible History since Jan 2015
Health plan deductible, single coverage (avg, employer plans). Monthly values, step series. Weight in the Real Inflation index: 1.2%.
Health insurance deductible: every recorded change
| Effective | Price | Change | Source |
|---|---|---|---|
| Jan 2015 | $1,318 | KFF Employer Health Benefits Survey | |
| Jan 2016 | $1,478 | +12.1% | KFF Employer Health Benefits Survey |
| Jan 2017 | $1,505 | +1.8% | KFF Employer Health Benefits Survey |
| Jan 2018 | $1,573 | +4.5% | KFF Employer Health Benefits Survey |
| Jan 2019 | $1,655 | +5.2% | KFF Employer Health Benefits Survey |
| Jan 2020 | $1,644 | -0.7% | KFF Employer Health Benefits Survey |
| Jan 2021 | $1,669 | +1.5% | KFF Employer Health Benefits Survey |
| Jan 2022 | $1,763 | +5.6% | KFF Employer Health Benefits Survey |
| Jan 2023 | $1,735 | -1.6% | KFF Employer Health Benefits Survey |
| Jan 2024 | $1,787 | +3.0% | KFF Employer Health Benefits Survey |
| Jan 2025 | $1,886 | +5.5% | KFF Employer Health Benefits Survey |
| Jan 2026 | $1,955 | +3.7% | KFF Employer Health Benefits Survey |
Price in January of each year
| Year | January price | vs year before |
|---|---|---|
| 2015 | $1,318 | |
| 2016 | $1,478 | +12.1% |
| 2017 | $1,505 | +1.8% |
| 2018 | $1,573 | +4.5% |
| 2019 | $1,655 | +5.2% |
| 2020 | $1,644 | -0.7% |
| 2021 | $1,669 | +1.5% |
| 2022 | $1,763 | +5.6% |
| 2023 | $1,735 | -1.6% |
| 2024 | $1,787 | +3.0% |
| 2025 | $1,886 | +5.5% |
| 2026 | $1,955 | +3.7% |
Source
Notes and caveats
- KFF EHBS average general annual deductible for single coverage among covered workers in plans with a deductible.
- Step series: each price applies from its change date until the next change. Monthly values hold the price in effect that month.
- KFF publishes its survey each October. Values are dated Jan 1 of the survey year, so the year-over-year change shows 0.0% until the next survey is added.
FAQ
How much is the average health insurance deductible now?
The average annual deductible for single coverage in employer plans was $1,955 per year as of Oct 2026 (+3.7% vs a year earlier). Source: KFF Employer Health Benefits Survey.
How much was the average health insurance deductible in 2018?
In January 2018 the average annual deductible for single coverage in employer plans was $1,573 per year. Since then it has changed +24.3%.
When was the average health insurance deductible most expensive?
In our data (starting Jan 2015), the highest price was $1,955 (since Jan 2026). The lowest was $1,318 (Jan 2015).
When did the price of the average health insurance deductible last change?
The most recent change in our data took effect Jan 2026: from $1,886 to $1,955 (+3.7%). We have 11 recorded changes since Jan 2015.
How often is this page updated?
We re-check this item on every weekly refresh and record each official change with its effective date.