Have you noticed your health insurance premiums creeping up year after year? You’re not alone. Average annual premiums for family health coverage rose to over $25,000 in 2024—and 2025 is already showing signs of further increases. With inflation still affecting household budgets and healthcare costs remaining unpredictable, finding affordable, high-quality family health insurance in 2025 has become more important than ever.

That’s where we come in. At Wilkerson Insurance Agency, we help individuals, families, and businesses across Dallas and the state of Texas find the right health insurance solutions—without overspending. Whether you’re searching for individual and family health insurance, group health insurance, or you need expert guidance from a health insurance broker in Dallas, we’re here to make the process simpler and more affordable.

In this article, we’ll break down the biggest updates in family health insurance in 2025 and share smart strategies to save money while protecting your family’s well-being.

Major Updates to Family Health Insurance in 2025

Let’s start with what’s changed this year—and what that means for you.

1. Premiums Are Higher, But So Are Subsidies

Yes, premiums for family plans have continued to rise, but the good news is that expanded subsidies under the Affordable Care Act (ACA) have been extended into 2025. That means more households qualify for financial help—even those earning more than previous limits.

• Families earning up to 400% of the federal poverty level may pay less than 8.5% of their income on premiums.
• Subsidies now adjust based on zip code, family size, and income, offering more localized relief.

2. Short-Term Plans Are Facing Tighter Rules

Short-term health insurance plans have been a lower-cost option for families, but in 2025, federal regulations have placed stricter limits on these policies. Most short-term plans now cap at three months and offer limited renewability.

If you relied on short-term coverage before, it’s worth revisiting your options with a licensed health insurance broker in Dallas to find long-term, ACA-compliant alternatives.

3. Mental Health Benefits Are Being Expanded

A significant shift in 2025 is the mandatory enhancement of mental health services under all ACA-compliant plans. This includes:

• Expanded therapy and counseling coverage
• Greater access to telehealth mental health services
• Lower out-of-pocket costs for behavioral care

This is a critical change for families who previously struggled to afford mental health care.

4. More Plans Now Cover Preventive Care Without Copays

Many family health insurance plans in 2025 are now required to cover additional preventive services—like annual physicals, vaccinations, and certain screenings—without copays or deductibles.

Cost-Saving Strategies for Family Health Insurance in 2025

Rising costs don’t have to mean cutting corners. Here are some ways to maintain strong coverage while managing expenses.

1. Compare Multiple Plans Before You Commit

It sounds simple, but many families stick with the same insurer year after year, assuming it’s still the best fit. In 2025, competition among providers has increased in Dallas and throughout Texas, which means better deals may be available.

• Work with a licensed health insurance brokerwho can compare options across multiple carriers
• Don’t just look at premiums—review deductibles, copays, and out-of-pocket maximums

2. Consider Group Health Insurance in Dallas, TX

If you’re a small business owner or even self-employed, group health insurance may offer more value than an individual plan. Group policies often come with:

• Lower premiums per person
• Better coverage options
• Tax advantages for business owners

We’ve seen many families benefit from joining a group plan, especially if they’re part of a local business network or association.

3. Use a Health Savings Account (HSA)

Pairing a high-deductible health plan (HDHP) with an HSA remains one of the most effective ways to control healthcare spending.

• Contributions are tax-deductible
• Funds grow tax-free
• Withdrawals for qualified medical expenses are tax-free

In 2025, contribution limits have increased, making HSAs an even stronger savings tool for families.

4. Don’t Overinsure

We often meet families paying for “gold” or “platinum” plans when a “silver” plan would cover their real needs for less. It’s important to evaluate:

• How often your family visits doctors
• Whether you regularly take prescription medications
• If you need specialized care
• Avoid paying for features you don’t use.

5. Look Into ACA Special Enrollment Periods

Most people think open enrollment is their only window to make changes. But in 2025, more families qualify for special enrollment due to life events like:

• A change in income
• A new baby
• Moving to a new zip code
• Losing employer-sponsored coverage

Don’t wait until next year—if you’ve experienced a change, you may be eligible now.

Want to Keep More of Your Money While Staying Covered?

Let’s be honest: family health insurance in 2025 isn’t getting cheaper on its own. The question is—are we doing everything we can to minimize what we spend while still protecting our loved ones?

We help clients all across Dallas and throughout Texas make smarter health insurance decisions. Whether you need individual and family health insurance, are searching for group health insurance, or just want an experienced health insurance broker who listens to your needs, Wilkerson Insurance Agency is here to help.

With decades of experience and access to a wide range of carriers, we can pinpoint the plan that fits your budget, covers your family’s needs, and sets you up for long-term savings. No guesswork. No pressure. Just honest guidance and personal service.

Call Wilkerson Insurance Agency at 214-501-3613 to speak with a trusted health insurance broker in Dallas and find out how we can help you secure smarter, more affordable family health insurance in 2025.