2025 Employer Health Benefits Survey Came out last week. Here are some key findings:
premium cost
The average annual premium for employer-sponsored health insurance in 2025 is $9,325 for single coverage and $26,993 for family coverage. Over the past year, the average single premium increased by 5% and the average family premium increased by 6%. By comparison, workers’ wages increased by 4% and inflation was 2.7%.23Over the past five years, the average premium for family coverage has increased by 26%, while workers’ wages have increased by 28.6% and inflation has increased by 23.5%.
The most common type of health plan,
PPOs remain the most common plan type in 2025. Forty-six percent of covered workers are enrolled in a PPO, 33% are enrolled in a high-deductible plan with a savings option (HDHP/SO), 12% are enrolled in an HMO, 9% are enrolled in a POS plan, and less than one percent are enrolled in a traditional (also known as indemnity) plan… The percentage of covered workers enrolled in an HDHP/SO is the same last year (28%) and five years ago (31%), But the percentage is higher than 10 years ago (25%).
Cost Sharing by Prescription Drug Tier
Nearly all (99%) of covered employees are at a firm that provides prescription drug coverage to enrollees in its largest health plan. Over time, employer plans have included more complex benefit designs for prescription drugs as employers and insurers expand the use of formularies with multiple cost-sharing tiers as well as other management approaches…
The vast majority (92%) of covered workers are in a plan with tiered cost-sharing for prescription drugs. Cost-sharing tier typically refers to a health plan placing a drug on a formulary or preferred drug list that categorizes drugs into categories that are subject to different cost sharing or management. Often, there are different tiers for generic, preferred, and non-preferred drugs. Plans also create additional tiers that can be used for specialty drugs or more expensive drugs such as biologics. Some plans may have multiple tiers for different categories.
Coverage of GLP-1 drugs for weight loss
Among companies providing health benefits with 200 or more workers, 16% of companies with 200 to 999 workers, 30% of companies with 1,000 to 4,999 workers, and 43% of companies with 5,000 or more workers will cover GLP-1 agonists when used primarily for weight loss in 2025.
It has lots of great graphs and statistics. You can read the full report Here,
