How ACA Marketplace Costs Compare to Employer-Sponsored Health Insurance
This analysis compares ACA Marketplace costs to employer-sponsored health insurance costs and finds that individual market premiums have become more similar to employer-sponsored premiums since 2017. In 2024, individual market insurance premiums averaged $540 per member per month, slightly below…
Calculator: ACA Enhanced Premium Tax Credit
The ACA’s enhanced premium tax credits are set to expire at the end of 2025. This calculator estimates how much out-of-pocket premiums would increase for families if Congress does not extend the credits. The projected premium increases are estimated based…
Perspectives from Employers on the Costs and Issues Associated with Covering GLP-1 Agonists for Weight Loss
While more large employers are covering GLP-1 drugs for weight loss, KFF’s conversations with employers highlight concerns about the cost of these medications. Many of these employers have considered scaling back coverage of GLP-1 agonists for weight loss, or in…
Explaining Individual Coverage Health Reimbursement Arrangements (ICHRAs)
This policy explainer describes what Individual Coverage Health Reimbursement Arrangements (ICHRAs) are and how do they differ from typical employer-sponsored health care plans.
2025 Employer Health Benefits Survey
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, worker contributions, cost-sharing provisions, offer rates, and more. This year’s report also looks at how employers are approaching coverage of GLP-1 drugs for…
The Semi-Sad Prospects for Controlling Employer Health Care Costs
In a commentary on KFF’s 27th employer health benefits survey, President and CEO Dr. Drew Altman discusses the obstacles employers face trying to control their health care costs, and the reasons why they’ve never been meaningful supporters of government cost-containment…
Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2025
Since 1999, the Employer Health Benefits Survey has documented trends in employer-sponsored health insurance. Every year, private and non-federal public employers with three or more employees complete the survey.
Examining Short-Term Limited-Duration Health Plans on the Eve of ACA Marketplace Open Enrollment
As Marketplace Open Enrollment nears, policy changes could leave millions of people facing substantially higher premiums and coverage loss, which could lead more consumers to purchase less expensive and less comprehensive coverage through short-term health plans. KFF analyzes short-term health…
How Much do People with Employer Plans Spend Out-of-Pocket on Cost-Sharing?
This Peterson-KFF Health System Tracker chart collection examines trends in employee spending on deductibles, copayments, and coinsurance from 2012 to 2023 using a sample of health benefit claims for individuals under 65.
How Might Expiring Premium Tax Credits Impact People with HIV?
This issue brief provides an overview of the potential impact not extending enhanced ACA premium tax credits could have on people with HIV and the Ryan White HIV/AIDS Program. Enhanced credits have improved insurance coverage affordability for millions of people,…