Single vs Couple Health Insurance: Which One Actually Saves You Money in 2026
A single health insurance plan through an employer averages $9,325 a year in total premium (worker plus employer share), while a plan that includes a spouse jumps toward $27,000 a year once it’s priced as full family coverage, according to KFF’s 2025 Employer Health Benefits Survey. That’s not the full story, though. Employee-plus-spouse tiers (no…

