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Many middle-income families spend at least a tenth of their income on health insurance

Average annual cost for a family plan reached $7,216 in 2024

Anna Claire Vollers
Posted 2/16/26

More than half of working-age adults get their health insurance through an employer, but in many states premium contributions and deductibles take a significant bite out of household incomes.

A new analysis from the Commonwealth Fund, a research nonprofit focused on health care, found that in 2024, premium contributions and deductibles for family plans totaled 10% or more of the median household income in 19 states. The calculation did not include copayments.

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