Otherwise, most individuals split costs with employers (50%) or depend on government coverage (39%)- like Medicaid, Medicare, or military plans. Around 5% of Pennsylvanians shop for private plans on Pennie, the state\u2019s insurance marketplace.<\/p>\n
More recent data points exist for 2025, but much of the percentage breakdowns are similar. There has been a reduction in the \u201cnon group\u201d covered who shop on Pennie- because of rising costs and ending to federal payment assistance.<\/p>\n
<\/p>\n
By Kara Jeffers<\/p>\n
Who Pays for It?<\/p>\n
Nationally, the cost of insurance is rising in all areas of the industry. For example, family premiums for employer coverage jumped significantly<\/a> the past three years compared to annual increases in the previous decade.<\/p>\n Source: KFF and Kaiser\/HRET Annual Surveys of Employer-Sponsored Health Benefits; Credit: KFF<\/p>\n By Kara Jeffers<\/p>\n Increases in employer plans don\u2019t always lead to increases in how much workers contribute to their plans. For example, while premiums rose in 2024, single plan contributions stayed stagnant and family plan contributions averaged less than 2023 costs. There\u2019s flexibility on if a company picks up the tab for rising healthcare costs; trends can change depending on the size of the company.<\/p>\n For 2025- employer family premiums averaged $26,993 a year with workers contributing roughly $570 a month for their health insurance. Single household premiums were averaging $9325 a year with workers paying around $120 a year for coverage.<\/p>\n These are national averages. Regions even within states can vary on their pricing. Monthly premium costs don\u2019t account for deductibles and co-pays that can add to someone\u2019s healthcare expenses.<\/p>\n A report from The Commonwealth Fund<\/a> estimates that- compared to the median income- employer covered Pennsylvanians spent 9.2% of their income on their family plans in 2024.<\/p>\n Comparatively, the 3 million Pennsylvanians enrolled in Medicaid do not pay premiums and have minimal deductibles. Senior citizens enrolled in Medicare might pay deductibles if they enroll in additional coverage- with those rates also seeing increases<\/a> year over year.<\/p>\n<\/p>\n