Health insurance costs continue to put pressure on family budgets in Georgia, and even when premiums are not the highest in the country, many households here still feel the strain more sharply than families in other states. Nationally, the average annual premium for employer-sponsored family coverage reached $26,993 in 2025, with workers paying an average of $6,850 of that total out of pocket. At the same time, workers’ wages rose 4% while family premiums rose 6%, meaning insurance costs are still growing faster than paychecks.