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Employer Family Premiums Near $27,000 as ACA Rates Climb and Subsidy Standoff Persists

Prescription drug costs, particularly GLP‑1 weight‑loss drugs, are the primary driver employers cite.

A partisan standoff over health care and spending is threatening to trigger the first U.S. government shutdown in almost seven years, at the Capitol in Washington, Tuesday, Sept. 30, 2025. (AP Photo/J. Scott Applewhite)
House Democrats prepare to speak on the steps of the Capitol to insist that Republicans include an extension of expiring health care benefits as part of a government funding compromise, in Washington, Tuesday, Sept. 30, 2025. (AP Photo/J. Scott Applewhite)
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Overview

  • A KFF survey shows average family premiums for employer-sponsored coverage rose 6% in 2025 to $26,993, with workers paying about $6,850 on average and more than one‑third facing individual deductibles of $2,000 or more.
  • ACA insurers have requested roughly 18% premium increases on average for 2026, and consumers in several states previewing plans are already seeing higher quotes as open enrollment approaches on Nov. 1.
  • Enhanced ACA premium tax credits remain in limbo during the ongoing shutdown, raising the risk of sharply higher costs and potential coverage losses if the credits expire at year-end.
  • Large employers expect about a 9% rise in healthcare costs for 2026, a jump that could prompt higher premiums or additional cost-sharing for employees, according to industry surveys.
  • Employers and analysts point to rising spending on prescription drugs, GLP‑1 therapies, hospital prices and greater utilization as key factors pushing premiums higher, with some firms weighing tighter coverage rules or benefit changes.