More than 154 million people with health insurance through an employer face steep price increases, and the situation is likely to get worse, a new report shows.

The increases are coming as the federal government shutdown has been spurred by a stalemate over health insurance for another group, the 22 million Americans on Affordable Care Act plans.

Premiums for job-based health insurance rose 6% in 2025 to an average of $26,993 a year for family coverage, according to a yearly survey of employers by KFF, a health information nonprofit that includes KFF Health News.

It’s the first time in two decades the cost of covering a family of four has risen by 6% or more for three straight years, data from KFF shows.

Over the past five years, the average premium for family coverage is up 26%, compa

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