Family Health Care Spending Up 188% in Employer Plans Since 2005 

Health care costs for a family of four with employer-sponsored health benefits in 2025 are projected at $35,119, up 188% from $12,214 in 2005, according to the 2025 Milliman Medical Index (MMI). The MMI calculations are based on the cost of an employer-sponsored preferred provider organization (PPO) plan, plus out-of-pocket costs. The employer share of the total plan cost for a family of four decreased from 61% in 2005 to 58% in 2025. During the same period, the amount that employees contributed through payroll deductions increased from 21% in 2005 to 27% of the . . .