For 2025, the MMI projects these costs will be:
For more details, download the full report.
How have healthcare costs changed over time?
This marks the 20th anniversary of the MMI. In 2025, healthcare costs for a family of four are now nearly three times compared to when we launched this study. Our 2025 report looks at how healthcare costs have changed since the first MMI in 2005.
Healthcare costs for MMI family of four (2005 vs 2025)
Learn more about how healthcare costs have changed.
What is causing the cost of healthcare to increase?
Healthcare costs rise for a number of reasons including—but not limited to—price increases and pricing structures, disease prevalence, and new medicines and technologies. Outpatient facility care and higher prescription drug costs are the top drivers of healthcare spending increases over the past 20 years.
How much will your healthcare cost this year?
Enter your location and family characteristics below to estimate your total 2025 healthcare costs, including the portion of your healthcare spending that will go to your premium, doctor visits, out-of-pocket expenses, and prescriptions. All values in the tool below are listed as net of prescription drug rebates, including the "Family of Four" value.
About the Milliman Medical Index
Since 2005, the Milliman Medical Index (MMI) has analyzed the projected total cost of healthcare for a hypothetical family of four covered by a typical employer-sponsored health plan. To reflect changing family demographics, the MMI now also projects healthcare costs for the average person.
Unlike many healthcare cost reports, the MMI measures the total cost of healthcare benefits, not just the employer's share of the costs, and not just premiums.
Get more in-depth data and analysis
1 Gross of prescription drug rebates. A "hypothetical family of four," for the purposes of this research, consists of a 47-year-old male, a 37-year-old female, and children ages 4 and 1. In reality, family compositions vary, and their healthcare expenses will depend on location, health conditions, and many other factors. See the full report for details on how the MMI analysis has adapted to changing demographics.
2 Net of prescription drug rebates. For more information, see the full report.