Average family premiums for employer-sponsored health insurance top $22,000 in 2021

The annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, offer rates, wellness programs, and employer practices. The 2021 survey included 1,686 interviews with non-federal public and private firms.

Annual premiums for employer-sponsored family health coverage reached $22,221 this year, up 4% from last year, with workers on average paying $5,969 toward the cost of their coverage. The average deductible among covered workers in a plan with a general annual deductible is $1,669 for single coverage. Fifty-eight percent of small firms and 99% of large firms offer health benefits to at least some of their workers, with an overall offer rate of 59%. This year’s report also looks at changes employers made to their health benefits due to the COVID-19 pandemic.

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