By NextBestFitPrivate insurer overhead & profit (net cost of insurance)
Amount
$176.5B
per year
Per resident, per year
$517
÷ 341.1M people
Per household, per year
$1,335
÷ 132.2M households
How it is built
Premiums minus benefits, private health insurance
Part of: Net cost of health insurance ($306.0B)
Problems this cost relates to
Sources: CMS Office of the Actuary (2025)