美国家庭雇主医保平均保费达2.8万美元 员工承担部分激增9%Average Employer Family Health Premiums Hit $28,000 as Worker Share Surges 9%
根据无党派健康研究机构KFF周四发布的对近2000家雇主的年度调查，美国家庭雇主医保平均保费已达28000美元，相当于每年购置一辆新车的支出。在这笔总额中，雇主承担大部分开销，而员工年均直接支付约7000美元。尽管四口之家的家庭保费总体增幅为5%，基本与薪资增速和通胀一致，但员工直接支付的保费份额增幅达到9%，增幅速度是总体保费增长的近两倍。在全美约1.57亿依靠工作获取医保的人群中，自付额度与免赔额的持续走高正在将整体开支压力推向工薪阶层。联邦基金会周四同步发布的报告指出，高额费用正对员工财务与日常就医产生直接连锁反应。调查显示，即便享有雇主医保福利的工薪受访者中，在过去一年里仍有约43%的人因成本过高放弃或推迟就医，约31%的人背负医疗债务。随着平价医疗法案额外补贴到期以及疫情紧急状态后补助撤销，近两年未参保率已出现回升，且明年工作要求生效后预计还将有数百万人失去Medicaid资格。面对持续加重的保费挤压与断保现实，近四分之三的受访者认为联邦政府有责任保障全体美国人享有医疗保险。
Average annual health insurance premiums for a family of four covered through an employer reached $28,000, according to an annual survey of nearly 2,000 employers published Thursday by nonpartisan health research organization KFF. While total family premiums rose 5%—a modest increase roughly on par with wage growth and inflation—the portion paid directly by workers jumped 9% to an average of about $7,000 per year, shifting a growing share of medical inflation onto staff. Across the United States, roughly 157 million people obtain health coverage through their jobs, but escalating deductibles and out-of-pocket costs are compounding household budget pressures. A companion study released Thursday by the Commonwealth Fund reveals that insurance coverage alone fails to shield workers from medical financial distress: about 43% of insured employees skipped necessary health care over the past year due to cost, and approximately 31% reported carrying medical debt. These cost burdens coincide with an uptick in the nation's uninsured rate over the last two years, driven by the expiration of enhanced Affordable Care Act subsidies and post-emergency Medicaid rollbacks, with millions more projected to lose Medicaid once work requirements take effect next year.
01保费与自付比例走高：家庭保费攀至28000美元且员工负担增速更快Premiums and Worker Contributions Climb: Family Coverage Hits $28,000
在KFF对近2000家提供医保福利的雇主进行的调查中，四口之家保险方案的总平均开支达到28000美元。KFF医疗市场项目副主管马修·雷表示，这一整体费用相当于每年为了保障一个四口之家而支出一辆新车的价格。尽管雇主承担了大部分费用，但员工平均每年仍需要自掏腰包支付约7000美元保费。
In KFF's annual survey examining health benefits across nearly 2,000 employers, the average overall premium for a family of four reached $28,000. Matthew Rae, associate director for the Health Care Marketplace Program at KFF, described the overall expense as essentially equal to purchasing a brand-new car every single year merely to keep a four-person household insured. While employers continue to pay the majority of those costs, workers themselves contribute an average of approximately $7,000 annually.
雷指出，尽管家庭保费5%的总增长率延续了温和上涨的阶段，并与薪资涨幅和通胀大体一致，但由于基数庞大，5%的涨幅依然意味着高额开销。更关键的是，员工个人承担部分的增长率达到了9%。雷分析称，如果这一趋势代表雇主开始将医疗成本转嫁给员工，将对工薪阶层的经济负担能力产生重大影响，许多人正不得不将很大一部分收入投入到医疗保险中。
Although the 5% overall rise in family premiums sustained a period of modest growth that roughly tracks wages and general inflation, Rae noted that even a modest percentage increase applied to such a massive figure amounts to substantial money. Crucially, the slice of premium costs directly paid by employees climbed 9%. Rae pointed out that if this disparity signals an emerging shift of health expenses directly onto workers, it poses serious consequences for household affordability, requiring individuals to commit sizable portions of their income to insurance.
02免赔额激增与日常挤压：即便享有优质雇主医保亦难避开支重负Deductible Shock: Even Well-Insured Workers Struggle with Out-of-Pocket Thresholds
在全美通过工作单位获得医疗保障的约1.57亿人中，免赔额的飞涨使不少即便是享有优厚福利的员工同样面临严峻开支困境。60岁的约瑟夫·巴比特在密苏里州斯普林菲尔德的西平原兽医供应公司担任高级财务总监，该公司拥有约50名员工，分销宠物食品、玩具及兽医用品。尽管雇主全额或承担了大部分月度保费，巴比特指出，日常医疗支出的压力依然巨大，因为高额免赔额要求患者在保险公司介入支付诊疗费用前自掏腰包垫付大量资金。
Among the roughly 157 million Americans who secure coverage through their jobs, climbing deductibles are straining workers even when their employers offer unusually generous benefit packages. Joseph Babbitt, a 60-year-old senior financial controller at West Plains Veterinary Supply—a 50-person distributor of pet food, toys, and veterinary supplies in Springfield, Missouri—receives health insurance where his employer covers most or all monthly premium costs. Yet Babbitt emphasized that health costs remain punishingly high because patients must shoulder hefty out-of-pocket deductibles before insurers begin paying for doctor visits and medical procedures.
巴比特回忆称，在1990年代，医疗方案的免赔额通常仅为250美元至500美元，而如今的免赔额已激增至5000美元。他表示这笔数额十分庞大，并指出生病导致的沉重开销甚至会将人推向破产边缘。调查数据和员工反馈表明，不断攀升的免赔额与食品、汽油等日常物价上涨形成叠加，使许多家庭即便利率享有雇主赞助的保单，在发生医疗开销时仍承受着巨大的预算紧缩。
Babbitt recalled that back in the 1990s, plan deductibles were typically between $250 and $500, whereas deductibles today have surged to $5,000. Describing that threshold as an enormous hurdle, Babbitt noted that medical expenses place deep stress on households and can push individuals toward bankruptcy when illness strikes. Combined with rising costs for everyday essentials like groceries and fuel, escalating deductible thresholds ensure that even well-insured employees face mounting strain on their family budgets before their coverage delivers financial relief.
03放弃诊疗与医疗负债：高额自付成本对员工健康与财务的连锁影响Foregone Treatments and Medical Debt: Health and Financial Fallout for Insured Staff
在保费与免赔额同步攀升的同时，员工健康与财务状况正承受直接冲击。根据支持独立研究的非营利机构联邦基金会周四发布的两年一度调查报告《2026年医疗保险状况》，即使是拥有工作福利保障的工薪群体，其医疗获取能力依然受到费用制约。该报告的主要作者萨拉·柯林斯指出，在这些享有医保福利的员工中，约43%的受访者表示在过去一年中由于费用原因未能就医，约31%的人报告自己背负医疗债务。
As premiums and deductible thresholds rise in tandem, out-of-pocket medical expenses are producing direct consequences for workers' health and personal finances. According to a biennial survey published Thursday by the Commonwealth Fund, a nonprofit foundation that supports independent research, insurance cards alone do not guarantee accessible health care. Sara Collins, the lead author of the report titled 'The State of Health Insurance Coverage in 2026,' noted that among workers fortunate enough to hold employer-provided health benefits, about 43% reported skipping medical care over the past year due to cost, and approximately 31% stated they carried medical debt.
调查显示，由于保费和免赔额的持续上涨，员工被迫推迟或彻底放弃必要的诊疗与常规医生门诊。这一开支困境发生在生活成本普遍偏高的环境下，家庭财务预算正受到食品和汽油物价上扬的双重挤压。柯林斯表示，由于同时面临就医自付成本高昂以及保障覆盖缺失的压力，全美范围内普遍存在一种迫切要求采取行动改善现状的强烈情绪。
Survey findings demonstrate that sharp increases in employee premium contributions and deductibles are compelling individuals to forgo needed treatments and routine doctor visits. These health-related financial burdens collide with broader budget strain driven by elevated prices for everyday necessities such as groceries and fuel. Collins indicated there is a widespread, shared feeling across the country that substantive measures are required to address the compounding difficulties people encounter both regarding soaring medical costs and ongoing coverage rollbacks.
04政策退坡与断保压力：未参保率回升引发公众对政府兜底责任的呼吁Policy Shifts and Coverage Losses: Rising Uninsured Rates Drive Calls for Federal Action
在职场受保人群承受自付开销的同时，全美未参保率在过去两年出现回升。萨拉·柯林斯将这一趋势归因于多项联邦政策变动，包括平价医疗法案参保者的额外联邦补贴到期，以及疫情紧急状态终止后引发的Medicaid参保资格清理。官方统计显示，已有数以百万计的人群脱离了Medicaid或ACA交易平台体系，并且随着针对该项目的就业工作要求在明年正式生效，预计还将有数百万人失去Medicaid保障。
Even as insured employees grapple with elevated out-of-pocket medical bills, the nationwide uninsured rate has climbed over the past two years. Sara Collins attributed this coverage contraction to specific federal policy shifts, such as the expiration of enhanced financial subsidies for Affordable Care Act plans and the rollback of Medicaid enrollment following the end of the public health emergency. Federal data indicates that millions have already been dropped from Medicaid or ACA exchanges, and projections show millions more are set to lose Medicaid eligibility once new work requirements take effect next year.
面对保障流失与医疗成本上扬的双重困境，联邦基金会的调查反映出公众对政策干预的普遍诉求。在被问及联邦政府是否负有保障全体美国人享有医保的责任时，近四分之三的受访者给出了肯定回答。这一诉求在不同政治阵营中均有体现，包括约93%的民主党人、76%的无党派人士，以及约45%的共和党受访者支持联邦政府承担兜底责任。
Confronted by expanding coverage gaps alongside medical inflation, Commonwealth Fund survey respondents voiced widespread support for federal intervention. When asked whether the federal government has a responsibility to ensure that all Americans have health insurance, nearly three-quarters of respondents answered affirmatively. That view spanned across party lines, drawing support from 93% of Democrats, 76% of independents, and approximately 45% of Republicans surveyed who agreed that Washington holds a fundamental duty to guarantee health coverage.