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Based on 2023 data from the U.S. Bureau of Labor Statistics (BLS), the average cost of employee benefits account for 29.4% of the average cost per private industry employee, or $12.06 per hour, per employee. The remaining 70.6%, or $28.97, goes toward wages, for a total cost of $41.03 per hour.
How much does health insurance cost for employers? ing to Kaiser Family Foundation research, in 2021, the average annual employer healthcare insurance cost was $7,739 for single coverage, up 4% from the previous year, and $22,221 for family coverage, also up 4% from 2020.
For single coverage plans, employers paid 78 percent of medical premiums, and employees paid 22 percent. Employers paid 76 percent of premiums for workers with the lowest 10 percent of wages and 80 percent of premiums for those with the highest 10 percent of wages.
Average annual deductibles for employer-sponsored health insurance plans in the United States have increased from 2010 to 2023. In 2010, the average deductible cost for an individual was 917 U.S. dollars. By 2023, this had increased to 1,735 U.S. dollars.
In 2020, an employees total potential out-of-pocket medical costs (premium and deductible) amounted to 11.6 percent of median income. This included 6.9 percent in employee premium contributions and 4.7 percent in deductibles.
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Eighty-seven percent of full-time private industry workers had access to medical care benefits and 25 percent of part-time workers had access to medical care benefits. The take-up rate was 65 percent for full-time workers and 54 percent for part-time workers.

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