家庭健康保险年均成本近 7500 美元，且涨幅仍在扩大。KFF（凯撒家庭基金会）2026 年健康福利调查显示，参加家庭计划的职工平均每年需支付 7471 美元保费，较 2025 年上涨 9%。这仅是职工承担的部分——若加上雇主缴纳的份额，2026 年家庭计划保费总额达 28303 美元，较 2025 年增长约 5%。这对职工和雇主都是沉重负担，而在小型企业就职的职工感受更为强烈：调查显示，员工不足 200 人的企业中，职工 2026 年为家庭保费支付了近 10000 美元。小型企业往往更受制于保险公司，因为它们不具备大企业同等的议价能力。
It's costing families nearly $7,500 a year for health insurance — and more increases are looming. A 2026 health benefits survey from KFF found that workers on a family plan paid an average of $7,471 a year in premiums — a 9% increase from 2025. And that's just the worker contribution — when accounting for employer contributions, family plan premiums totaled $28,303 in 2026, a roughly 5% increase from 2025. That's a hefty price for both workers and their employers, and even more acute for workers at smaller businesses: KFF's survey found that at firms with fewer than 200 employees, they paid nearly $10,000 toward family premiums in 2026. Smaller firms are often more beholden to insurance companies, since they don't wield the same bargaining power as larger firms.
不断攀升的医疗成本可能是消费者信心低迷的原因之一：虽然工资在涨，但保费涨得更快。职工薪资同比增长 3.7%——纸面上看似不错的涨幅——但职工承担的保费增幅达 9%，超过了薪资增速。过去几年，职工用于健康计划的支出在家庭收入中占比持续上升。2025 年，全规模企业职工的保费成本占实际家庭中位数收入的近 8%。
Mounting health costs might be part of why consumers feel so gloomy: As wages have increased, insurance premiums have risen even faster. While wages increased 3.7% year-over-year for workers — which might look like a nice pay bump on paper — worker-paid premiums outpaced that salary growth, rising by 9%. And over the past few years, how much workers pay for health plans has eaten up a larger share of their household income. For workers across all firms, their premium costs amounted to nearly 8% of real household median income in 2025.
您是否担心健康保险费用上涨，或已自付数千美元？请将您的经历发送至 jkaplan@businessinsider.com 告知本记者。
Are you worried about rising health insurance costs, or already paying thousands out of pocket? Share your story with this reporter at jkaplan@businessinsider.com.
这一切正值雇主和职工为开放参保季做准备之际，且涨势恐将延续：普华永道基于健康计划精算师调查的分析预测，2027 年商业团体医疗成本将上涨 9%。保险管理公司 Aon 同样发现，若不采取成本缓释措施——即企业尚未想出如何将不断上涨的成本转嫁给职工前——雇主医疗成本明年预计将攀升 9.5%。
All of that comes as employers and workers brace for open enrollment season, and more hikes loom: An analysis from PricewaterhouseCoopers, based on a survey of health plan actuaries, projects that commercial healthcare group costs will rise by 9% in 2027. Similarly, Aon, an insurance management firm, found that employer healthcare costs are projected to climb by 9.5% next year without any cost mitigation measures — meaning before firms figure out how to pass some of those mounting costs on to their workers.
对于工人和企业来说，这意味着财务压力进一步加剧：企业需要支付更多的工资来维持员工的生计，但成本的增长速度很可能仍然快于工资的涨幅。与此同时，由于医疗费用不断上升，企业可能无法提高员工的工资。这意味着每个人都在承担更多的经济负担，而没有人对此感到满意：Ipsos/Axios的一项调查显示，69%的美国人认为工资上涨10%会对他们的家庭财务状况产生负面影响，其中30%的人认为这种影响会非常严重。
For workers and firms, that means a tighter financial squeeze: Companies are paying more to cover their workers, but costs are likely still outpacing wages. At the same time, firms might not be able to provide higher wages as care costs climb. It means that everyone is paying more, and nobody's feeling good about it: An Ipsos/Axios poll found that 69% of Americans say a 10% increase would negatively impact their household finances, with 30% saying it would have a major negative impact.