Health Insurance Premiums and Employee Contributions in Employer-Sponsored Plans, 1999–2026

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The Employer Health Benefits Survey has tracked employer-sponsored health insurance trends since 1999 among private and nonfederal public employers with at least 10 employees.
2

The survey reports premiums, defined as the full per-person cost of coverage, and worker contributions, defined as the portion paid by workers.
3

Premium and worker contribution estimates are weighted by the number of workers receiving health benefits and adjusted for industry and firm size.
4

Standard errors quantify estimate uncertainty, which generally increases for smaller groups; differences between estimates may not be statistically significant.
5

Family coverage represents coverage for a four-person family, and firms offering multiple plan types are classified by their largest plan type.

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