Family Health Insurance Premium History (KFF), 2015–2026
The average annual premium for employer family health coverage was $28,303 per year as of Oct 2026, according to KFF Employer Health Benefits Survey. That is 4.9% higher than a year earlier. Since January 2018 ($19,616), it is up 44.3%. In our data, which starts Jan 2015, the highest price was $28,303 (since Jan 2026) and the lowest was $17,545 (Jan 2015).
Family Health Insurance Premium History since Jan 2015
Employer health insurance, family coverage (avg annual premium). Monthly values, step series. Weight in the Real Inflation index: 5.9%.
Family health insurance premium: every recorded change
| Effective | Price | Change | Source |
|---|---|---|---|
| Jan 2015 | $17,545 | KFF Employer Health Benefits Survey | |
| Jan 2016 | $18,142 | +3.4% | KFF Employer Health Benefits Survey |
| Jan 2017 | $18,764 | +3.4% | KFF Employer Health Benefits Survey |
| Jan 2018 | $19,616 | +4.5% | KFF Employer Health Benefits Survey |
| Jan 2019 | $20,576 | +4.9% | KFF Employer Health Benefits Survey |
| Jan 2020 | $21,342 | +3.7% | KFF Employer Health Benefits Survey |
| Jan 2021 | $22,221 | +4.1% | KFF Employer Health Benefits Survey |
| Jan 2022 | $22,463 | +1.1% | KFF Employer Health Benefits Survey |
| Jan 2023 | $23,968 | +6.7% | KFF Employer Health Benefits Survey |
| Jan 2024 | $25,572 | +6.7% | KFF Employer Health Benefits Survey |
| Jan 2025 | $26,993 | +5.6% | KFF Employer Health Benefits Survey |
| Jan 2026 | $28,303 | +4.9% | KFF Employer Health Benefits Survey |
Price in January of each year
| Year | January price | vs year before |
|---|---|---|
| 2015 | $17,545 | |
| 2016 | $18,142 | +3.4% |
| 2017 | $18,764 | +3.4% |
| 2018 | $19,616 | +4.5% |
| 2019 | $20,576 | +4.9% |
| 2020 | $21,342 | +3.7% |
| 2021 | $22,221 | +4.1% |
| 2022 | $22,463 | +1.1% |
| 2023 | $23,968 | +6.7% |
| 2024 | $25,572 | +6.7% |
| 2025 | $26,993 | +5.6% |
| 2026 | $28,303 | +4.9% |
Source
Notes and caveats
- KFF Employer Health Benefits Survey average annual premium for family coverage (family of four), worker + employer shares combined. Surveyed Jan-Jul each year; dated Jan 1 of the survey year. Published every October since 1999. 2025 report URL differs.
- 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 family health insurance now?
The average annual premium for employer family health coverage was $28,303 per year as of Oct 2026 (+4.9% vs a year earlier). Source: KFF Employer Health Benefits Survey.
How much was family health insurance in 2018?
In January 2018 the average annual premium for employer family health coverage was $19,616 per year. Since then it has changed +44.3%.
When was family health insurance most expensive?
In our data (starting Jan 2015), the highest price was $28,303 (since Jan 2026). The lowest was $17,545 (Jan 2015).
When did the price of family health insurance last change?
The most recent change in our data took effect Jan 2026: from $26,993 to $28,303 (+4.9%). 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.