An employer family health plan, counting the employer’s share, costs $2,240 a month in the U.S. as of September 2026. In 1999 it cost $470, or $946 in today’s dollars. Adjusted for inflation, family coverage costs 2.4 times as much today as in 1999.
Price at the time In September 2026 dollars
U.S. employer plan, total monthly cost incl. employer share. ≈ marks estimates between data points.
| Year | Price | In today’s dollars |
|---|---|---|
| 1999 | $470 | $946 |
| 2000 | ≈$524 | ≈$1,020 |
| 2001 | ≈$583 | ≈$1,105 |
| 2002 | $650 | $1,211 |
| 2003 | ≈$722 | ≈$1,315 |
| 2004 | ≈$801 | ≈$1,423 |
| 2005 | $890 | $1,528 |
| 2006 | ≈$934 | ≈$1,554 |
| 2007 | ≈$981 | ≈$1,587 |
| 2008 | $1,030 | $1,604 |
| 2009 | ≈$1,088 | ≈$1,701 |
| 2010 | $1,150 | $1,768 |
| 2011 | ≈$1,207 | ≈$1,800 |
| 2012 | ≈$1,267 | ≈$1,850 |
| 2013 | $1,330 | $1,914 |
| 2014 | ≈$1,379 | ≈$1,954 |
| 2015 | $1,430 | $2,023 |
| 2016 | ≈$1,489 | ≈$2,080 |
| 2017 | $1,550 | $2,120 |
| 2018 | ≈$1,609 | ≈$2,148 |
| 2019 | $1,670 | $2,190 |
| 2020 | $1,760 | $2,282 |
| 2021 | ≈$1,804 | ≈$2,221 |
| 2022 | $1,850 | $2,094 |
| 2023 | $1,990 | $2,184 |
| 2024 | $2,100 | $2,240 |
| 2025 | $2,180 | $2,264 |
| Sep 2026 (latest) | $2,240 | $2,240 |
Among the 2,314 U.S. places with at least 20,000 people, as of September 2026. Partly scaled by the Bureau of Economic Analysis regional price parities for the metro area, or the rural part of the state outside metros.
| Kiryas Joel, NY | $2,332 |
| Poughkeepsie, NY | $2,332 |
| Middletown, NY | $2,332 |
| Newburgh, NY | $2,332 |
| New York, NY | $2,328 |
| North Liberty, IA | $2,164 |
| Altoona, IA | $2,164 |
| Coralville, IA | $2,164 |
| Muscatine, IA | $2,164 |
| Burlington, IA | $2,164 |
KFF, Employer Health Benefits Survey (yearly since 1999).
For cities: Partly scaled by the Bureau of Economic Analysis regional price parities for the metro area, or the rural part of the state outside metros.
Each year shows the U.S. figure at midyear. Years marked ≈ fall between this series’ data points and are estimated by smooth interpolation between them. Today’s dollars use the Consumer Price Index for All Urban Consumers (CPI-U). How it works.
Cost of daycare by yearCollege tuition by yearCost of having a baby by yearAverage wedding cost by year
What everything cost in 2000, 2010, 2020. All prices.