Many jobs come with health insurance. But what does that coverage actually cost, and who pays for it?

Answer: $9,804 a year, and the worker pays $1,672

The average annual premium for single coverage through an employer is $9,804. On average, covered workers contribute $1,672 toward it, and their employer covers the rest.

Questions:

• If two jobs paid the same but only one offered health insurance, how much would that change your choice?
• Would you rather pay more from each paycheck, or pay more when you actually go to the doctor? Why?
• Do you think most workers know how much their employer pays for their health insurance?

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.

Behind the Numbers: (KFF)

KFF’s 2026 Employer Health Benefits Survey found that “the average annual contribution amounts for covered workers are $1,672 for single coverage and $7,471 for family coverage, both higher than last year.” On top of premiums, “Among covered workers in a plan with a general annual deductible in 2026, the average deductible amount is $1,955.” 

About the Author

Yonathan Tadesse

Yonathan is a Dallas-based Curriculum Designer at NGPF with 12 years of experience as a high school math, college transition, and financial literacy teacher. An award-winning educator, he has a track record of launching innovative programs at the high school level that expand access and opportunity for students. He is a graduate of Emory University and is passionate about advancing financial education for all students. Outside of work, Yonathan loves spending time with his wife and two kids, working out, playing chess and poker, and learning new things.

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