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The Kaiser Family Foundation’s (KFF) 2025 Employer Health Benefits Survey reveals just how fast employer health care costs are climbing. In 2025 the average annual premium for employer‑sponsored health insurance reached $9,325 for single coverage and $26,993 for family coverage, representing a 5% and 6% increase over the previous year. As costs rise, more employers are turning away from fully insured plans; the survey found that 67% of covered workers are now enrolled in self‑funded health plans, with 80% of workers at larger firms and 27% of workers at firms with 10–199 employees covered this way. Among small firms, more than a third of workers participate in level‑funded arrangements, which combine a self‑funded plan with stop‑loss insurance.
This migration to self‑funding isn’t just a fad. Employers are grappling with double‑digit stop‑loss premium increases and unpredictable drug costs. Level‑funded plans help smaller employers limit their liability, but they still expose companies to potentially volatile pharmacy spend. Without the right pharmacy benefit management, a handful of high‑cost specialty prescriptions can wipe out projected savings and send stop‑loss rates soaring at renewal. Many HR leaders worry that cost‑cutting will undermine employee satisfaction and health outcomes.
That’s where Aphora comes in. By delivering up to 70% savings on prescription drugs, guaranteeing $0 copay on all medications, and wrapping every member in a compassionate human‑touch care‑navigation program, Aphora helps self‑funded employers and their advisers tame rising costs without sacrificing quality. Our model reduces exposure to catastrophic claims, lowers stop‑loss risk, and ensures members can access the medications they need with no out‑of‑pocket cost. In a market where premiums are accelerating and employers shoulder more risk than ever, partnering with Aphora gives you a sustainable path to better benefits and healthier balance sheets.
