Taylor Benefits Insurance has released its latest Large Group Health Insurance statistics 2025–2026, providing employers and HR leaders with a detailed look at the changing landscape of workplace coverage. The report brings together data from leading institutions, including the Kaiser Family Foundation, the U.S. Department of Labor, and Mercer to provide a reliable resource for understanding how large employers are navigating healthcare costs, regulations, and employee benefits.
Rising costs remain at the center of the conversation. In 2024, the average annual premium reached $8900 for single coverage and $25000 for family coverage. While employers cover the majority of these premiums, employees still pay about 16% of single coverage and 25% of family coverage.
Workers at large firms fare slightly better, paying a smaller share compared to employees at smaller businesses. Deductibles, although rising, remain more affordable at larger companies, with an average of $1500 for single coverage compared to $2600 at small firms.
In 2023, 94% of firms with 50 or more employees offered health benefits, and among those, nearly 59% of all workers ultimately gained coverage. Self-funded health plans remain the dominant model, especially for companies with more than 5,000 employees, where 90% of firms choose this structure. Mid-size employers between 200 and 4,999 employees also see widespread use of stop-loss insurance, with over 90% adopting it to protect against catastrophic claims.
The statistics also shed light on compliance pressures. The Affordable Care Act employer mandate continues to impact business decisions, with penalties for non-compliance set at $2900 per employee in 2025 and increasing to $3300 in 2026.
Employers are also under heightened scrutiny for mental health parity compliance and must align with ERISA requirements. Prescription drug spending has emerged as a major cost driver, accounting for 24–27% of total plan expenses, with specialty medications making up more than half of pharmacy costs. Employers anticipate pharmacy spending will rise by 11–12% annually through 2026.
Telehealth adoption remains high, with 97% of large employers offering virtual care options. These services are most used for behavioral health, routine primary care, and managing chronic conditions. Many employers now provide $0 copays to encourage usage, indicating a shift toward value-based cost-sharing models.
As employers look ahead, balancing affordability with compliance remains the biggest challenge. The expansion of telehealth, the rise of specialty drug costs, and evolving federal requirements are reshaping the way companies approach group health insurance plans. Taylor Benefits Insurance plays a leading role in supporting organizations across the United States by offering custom-designed benefits packages.
Its services include group employee benefits, compliance guidance, cost management strategies, and benefits benchmarking. More details are available at https://www.taylorbenefitsinsurance.com/group-employee-benefits/.
Since 1987, the agency has worked with businesses of all sizes, with a particular emphasis on tailoring solutions for large firms that face complex challenges. With more than three decades of experience, the Taylor Benefits Insurance Agency has developed trusted relationships that help businesses remain competitive in recruitment and retention.
For more information about Taylor Benefits Insurance and its large group health insurance, visit the website at https://www.taylorbenefitsinsurance.com/.
About Taylor Benefits Insurance
Taylor Benefits Insurance is a leading independent insurance brokerage that designs and manages employee benefits packages for companies across the United States. Founded in 1987, the agency offers personalized solutions that help businesses balance cost, compliance, and employee satisfaction.
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Taylor Benefits Insurance
4820 Harwood Rd Ste 130 San Jose, CA 9512
800-903-6066
https://www.taylorbenefitsinsurance.com/
newsroom: news.38digitalmarket.com
Source: 38 Digital Market News
Release ID: 1868999
