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Employer health insurance costs now exceed recent mortgage payments; 2027 may bring big rate hikes

The total cost of employer-sponsored family health insurance now exceeds the median monthly mortgage payment for recent homebuyers, while employers still shoulder most of that expense and experts warn of possible large premium increases in 2027.

Published Jul 29, 2026, 11:48 AM EDT | WFMZZ

The total cost of employer-sponsored family health insurance now surpasses the median monthly mortgage payment for recent homebuyers, although employers cover the majority of that bill. Observers caution that premiums could rise sharply in 2027, potentially pushing costs higher for employers and employees.