2025年,由于医疗费用和药品价格不断上涨,家庭健康保险费用每年几乎达27 000美元。 Family health insurance costs hit nearly $27,000 annually in 2025, driven by rising medical expenses and drug prices.

根据KFF对1 860多名雇主的调查,雇主赞助的家庭健康保险在2025年平均每年接近27 000美元,这是连续第三年两位数的保险费上涨。 Employer-sponsored family health insurance averaged nearly $27,000 annually in 2025, the third consecutive year of double-digit premium increases, according to a KFF survey of over 1,860 employers. 这一6%的增长是继前两次7%的涨幅、超过通胀速度和由诸如GLP-1减重药物等新治疗成本上升、劳动适龄成年人慢性病增加以及医院费用上涨之后出现的。 This 6% rise follows two prior 7% hikes, outpacing inflation and driven by rising costs for new treatments like GLP-1 weight-loss drugs, increased chronic conditions among working-age adults, and higher hospital billing. 小企业尤其受到影响,51%的报告成本增加10%或以上,促使一些企业转向健康报销账户或提高雇员缴款。 Small businesses are especially impacted, with 51% reporting cost increases of 10% or more, prompting some to shift to Health Reimbursement Accounts or raise employee contributions. 工人面临较高的可扣除额和共同支付额,三分之一以上的工人现在面临2 000美元或以上的个人可扣除额。 Workers face higher deductibles and copayments, with over one-third now facing individual deductibles of $2,000 or more. 专家警告说,持续的保健通货膨胀可能会制约工资增长和雇用。 Experts warn sustained health care inflation could constrain wage growth and hiring.