Employer healthcare cost management has a visibility problem. In 2025, average annual premiums for employer-sponsored health insurance reached $9,325 for single coverage and $26,993 for family coverage, according to the Kaiser Family Foundation's 2025 Employer Health Benefits Survey. Employers and advisors see those costs through claims, renewal pressure, contributions and plan design. Employees usually see something narrower: the copay, deductible or coinsurance in front of them. That gap matters.
