2026-09-04T10:59:00-0400 / 哥伦比亚广播公司新闻（CBS News）
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更新于：2026年9月4日 / 美国东部时间上午11:25 / 哥伦比亚广播公司新闻（CBS News）
根据近期一项调查，美国各地雇主明年可能面临医疗保险成本的大幅上涨，这可能推高员工为医保支付的费用。
健康福利咨询公司怡安翰威特（Marsh）预计，2027年每名员工的总健康福利成本——涵盖雇主和员工的保费缴费——将平均上涨8.2%，为2003年以来的最大涨幅。
该预测已计入雇主计划采取的成本节约措施，例如提高免赔额，这类措施通常会降低员工的月度保费，但会增加他们的自付费用。怡安翰威特表示，如果不采取这些措施，雇主的医保计划成本平均将上涨11%。
上述预测基于怡安翰威特今年夏季针对雇主赞助医保计划开展的全国性调查。
非营利健康政策研究机构KFF的数据显示，近几十年来雇主赞助的医保计划成本大幅飙升，主要原因是癌症等重症的治疗成本上涨。怡安翰威特指出，医疗服务提供商数量减少，使得它们在与保险公司谈判医保计划成本时拥有更大议价权。
飙升的处方药价格也是推高医疗支出的因素之一，GLP-1类药物等新型疗法推动了医疗开支上涨。与此同时，越来越多的公司为这类药物承担费用，而这类药物正越来越多地被用于减肥。
怡安翰威特健康与福利部门雇主研究总监贝丝·乌姆兰在发给哥伦比亚广播公司新闻的电子邮件中表示，与此形成对比的是，GLP-1类药物成本上涨已促使部分雇主取消医保覆盖，其他雇主则出台更严格的资格要求以缓解支出压力。
员工医保费用会上涨吗？
雇主通常仅承担约80%的医保计划成本，剩余部分由员工承担。
“这一分摊比例长期以来基本保持稳定，超过20年都是如此，”KFF医保市场部门副主任马修·雷伊在接受哥伦比亚广播公司新闻采访时表示，“从历史来看，保费上涨时，员工和雇主会共同分担负担。”
雷伊称，尽管部分雇主可能因行业动态等因素承担更多医疗成本，但许多员工的医保支出很可能会增加。“这是历史上的一贯模式，不过雇主也会支付更多费用。”
乌姆兰也预计2027年员工的医保成本将上涨。
“可以肯定地说，明年大多数员工的医疗支出都会增加，不仅薪资扣除额会更高，自付费用也会增加，”她表示，“近年来雇主一直试图避免将医保成本转嫁给员工，但经过几年的高成本涨幅后，许多雇主会觉得别无选择。”
根据怡安翰威特的调查，59%的雇主计划明年对健康福利进行成本削减调整，例如提高免赔额，这可能会增加员工的自付成本。
员工可能还会面临更高的保费支出。怡安翰威特此前的一项调查显示，约三分之二的大型雇主预计明年将提高员工的保费分摊比例。
员工的医保支出有多少？
保险经纪与咨询公司怡安（Aon）8月发布的预测显示，今年员工的医保保费平均支出将达3130美元，自付费用平均为2167美元，年度医保总支出将接近5300美元。
怡安的一位发言人表示，这将较去年的4909美元总额增长7.9%，也是十年来最大的百分比涨幅。
随着年度医保开放 enrollment 季（通常为9月至11月）的临近，这一预计涨幅将给数百万美国人带来更大的财务压力。KFF的数据显示，2025年，约三分之二的65岁以下人群（约1.65亿人）拥有雇主赞助的医保。
本文编辑：阿兰·谢特（Alain Sherter）
Employer and worker health plan costs expected to jump in 2027
2026-09-04T10:59:00-0400 / CBS News
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Updated on: September 4, 2026 / 11:25 AM EDT / CBS News
Employers across the U.S. are likely to face sharply higher health insurance costs next year, which could drive up how much workers pay for medical coverage, according to a recent survey.
Health benefits consulting firm Marsh projects that the total health benefit cost per employee, which measures both employer and employee premium contributions, will rise by an average of 8.2% in 2027, the steepest increase since 2003.
That forecast factors in cost-saving steps employers plan to take, such as raising deductibles, which typically lower monthly premiums for employees but increase their out-of-pocket costs. Without those measures, employers said their health plan costs would increase by 11% on average, according to Marsh.
The projections are based on a national survey Marsh fielded over the summer on employer-sponsored health plans.
The cost of employer-sponsored health plans has surged in recent decades, according to nonprofit health policy researcher KFF, driven largely by the higher treatment costs for serious illnesses such as cancer. The number of health providers has also shrunk, giving them greater leverage when negotiating plan costs with insurers, Marsh notes.
Soaring prescription drug prices are also playing a role, with new treatments such as GLP-1 drugs driving up healthcare expenses. That comes as more companies cover the cost of the drugs, which are increasingly used for weight loss.
By contrast, rising GLP-1 costs have prompted some employers to withdraw coverage, while others are implementing stricter qualification requirements to mitigate spending, Beth Umland, director of employer research for health and benefits at Marsh, told CBS News in an email.
Will employees pay more for health benefits?
Employers typically absorb only around 80% of health plan costs, with workers shouldering the rest.
“That split has been roughly consistent over time, like over a long period of time, over 20 years,” Matthew Rae, associate director of the healthcare marketplace at KFF, told CBS News. “Historically, when premiums have gone up, workers and employers have sort of shared the burden.”
Although some employers may absorb more health care costs due to industry dynamics and other factors, many workers are likely to pay more for medical coverage, Rae said. “That’s been the pattern historically, but employers pay more, too.”
Umland also expects health costs to rise for employees in 2027.
“It is fair to say that most employees will spend more on healthcare next year, with both higher paycheck deductions and higher out-of-pocket costs,” she said. “Employers have been trying to avoid shifting health costs to employees in recent years, but after a few years of elevated cost increases, many will feel they have no choice.”
According to Marsh’s survey, 59% of employers plan to make cost-cutting changes to health benefits next year, such as raising deductibles, which can raise out-of-pocket costs for workers.
Employees may also face higher premium payments. About two-thirds of large employers expect to increase employees’ share of premium costs next year, according to an earlier Marsh survey.
How much are employees spending?
An August forecast from insurance broker and consulting firm Aon forecasts workers will spend an average of $3,130 this year on health plan premiums and $2,167 on out-of-pocket costs, raising their total annual health insurance bill to nearly $5,300.
That would represent a 7.9% increase from last year’s total of $4,909 and amount to the largest percentage increase in a decade, according to an Aon spokesperson.
The projected rise would add to the financial pressure facing millions of Americans as they prepare for open enrollment season, which typically falls between September and November. Around two-thirds of people under age 65, roughly 165 million people, had employer-sponsored health insurance in 2025, according to KFF.
Edited by Alain Sherter
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