Premiums and Claims
Marketplace Average Benchmark Premiums (2014 - 2025).
Source: https://www.kff.org/affordable-care-act/
Average Annual Worker and Employed Contributions to Premiums for Family Coverage (2000 - 2024)
Notes
Premiums were analyzed using the second-lowest cost silver (benchmark) premium for a 40-year-old in each county and weighted by county plan selections, including premiums for non-Essential Health Benefits. In some state-based marketplaces, the premium data for some years are at the rating area level or zip level and are mapped to counties before weighting by county plan selections.
Claims Denial Rates
Claim Denial Rates by Provider (2024)
Claim Denial Rates by State (2020)
Rising Cost of Health Insurance
During the past 25 years, the cost of health insurance has surged, outpacing inflation. At the same time, many Americans are facing higher deductibles, which has also increased their out-of-pocket costs.
KFF data shows that employees' share of their premiums are also on the rise, with a worker with family coverage typically paying premiums of $5,700 per year in 2017, the most recent year for that data, up from about $1,600 in 2000. The average family deductible — the amount paid out-of-pocket before insurance kicks in — has increased from $2,500 in 2013 to $3,700 in 2023, according to KFF.
Cumulative % Change: This transformation calculates the percentage change of each data point relative to the first recorded value. It normalizes the data by using a common starting point, making it easier to observe overall growth or decline over time.