Note: NFP's own benchmarking database uses median data rather than averages when making calculations. While averages include outliers in the calculations and could distort the benchmark, median calculations adjust for outliers in the data, making it more applicable for employers.
Health maintenance organization (HMO)
Preferred provider organization (PPO)
High-deductible health plans (HDHP)
Citation formats
Median employee annual gross cost for health coverage in the U.S. in 2022, by plan
In 2022, the median annual gross cost per employee for family coverage amounted to * U.S. dollars in a preferred provider organization (PPO) and * U.S. dollars in high-deductible health plans (HDHP). Overall, the median annual gross cost per employee for any type of health coverage was lower in high-deductible health plans in comparison to other health plans.
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NFP. (June 3, 2023). Median annual gross cost per employee for health coverage in the U.S. in 2022, by plan and coverage tier (in U.S. dollars) [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 04, 2026, from /statistics/1364369/median-gross-cost-per-employee-for-health-insurance-by-plan-in-the-us/
NFP. "Median annual gross cost per employee for health coverage in the U.S. in 2022, by plan and coverage tier (in U.S. dollars)." Chart. June 3, 2023. ÌÇÐÄÆƽâ°æ. Accessed August 04, 2026. /statistics/1364369/median-gross-cost-per-employee-for-health-insurance-by-plan-in-the-us/
NFP. (2023). Median annual gross cost per employee for health coverage in the U.S. in 2022, by plan and coverage tier (in U.S. dollars). ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 04, 2026. /statistics/1364369/median-gross-cost-per-employee-for-health-insurance-by-plan-in-the-us/
NFP. "Median Annual Gross Cost per Employee for Health Coverage in The U.S. in 2022, by Plan and Coverage Tier (in U.S. Dollars)." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 3 Jun 2023, /statistics/1364369/median-gross-cost-per-employee-for-health-insurance-by-plan-in-the-us/
NFP, Median annual gross cost per employee for health coverage in the U.S. in 2022, by plan and coverage tier (in U.S. dollars) ÌÇÐÄÆƽâ°æ, /statistics/1364369/median-gross-cost-per-employee-for-health-insurance-by-plan-in-the-us/ (last visited August 04, 2026)
Median annual gross cost per employee for health coverage in the U.S. in 2022, by plan and coverage tier (in U.S. dollars) [Graph], NFP, June 3, 2023. [Online]. Available: /statistics/1364369/median-gross-cost-per-employee-for-health-insurance-by-plan-in-the-us/
