As workers across the country enroll in their 2025 health insurance plans, a new report from the Commonwealth Fund reveals that small-business employees face higher health insurance deductibles and premium costs compared to their counterparts at larger companies. And despite paying more, these workers receive coverage with less financial protection.
The report, Trends in Employer Health Insurance Costs, 2014–2023: Coverage Is More Expensive for Workers in Small Businesses, examines national trends and differences in the affordability and quality of employer-sponsored coverage for workers in small and large firms across all 50 states and the District of Columbia.