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“Whenever you find yourself on the side of the majority, it is time to reform (or pause and reflect).”
― Mark Twain
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Healthcare Is Broken In The US
In 2025, employer-sponsored health insurance costs climbed for the third straight year, reaching nearly $27,000 for an average family plan, per KFF’s annual survey. Premiums rose 6% from 2024, outpacing inflation by over twofold, with employees contributing roughly $6,850 and employers funding the remainder.
Rising premiums are being fueled mainly by higher health care spending, particularly on prescription drugs such as the popular GLP-1 weight-loss treatments Wegovy and Zepbound. More than one-third of large employers said drug prices have significantly driven up premiums, and 43% of the largest firms now cover GLP-1 drugs—up from 28% in 2024.
Costs for employees continue to grow beyond premiums: the average individual deductible rose to nearly $1,900, with workers at small firms paying about $1,000 more on average than those at larger companies. More than half of small-firm employees now face deductibles of at least $2,000.
KFF warned that deductibles and other cost-sharing measures may continue to rise as employers struggle to control costs.
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