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The amount that a worker or employee contributes to the cost of health care continues to increase each year as premiums rise. In 2004, the average employee contributed a little more than $300 a month of the annual cost for single coverage and $800 a month for family coverage. By 2008, the costs of coverage for a family of four cost more than $1,000 a month or almost $13,000 a year.
National Average. The national average for health care costs per person is increasing drastically each year. In 2007, the average cost per person for health insurance coverage was $7,421, which was an increase of 6 percent compared to the previous year.In 2008, the average cost for health care per person surpassed $8,000. The yearly increases for health care are outstripping inflation.mployees who pay out-of-pocket costs typically pay a deductible, a co-payment and co-insurance amount. Deductible amounts per employee range from $400 and $460, depending on whether a preferred provider organization or health maintenance organization was used.