2025 年健康保险行业统计：覆盖范围、成本和创新

健康保险已成为美国财务安全的基石，帮助个人应对不断上涨的医疗费用。

The health insurance industry in the United States is a vast and complex ecosystem, influenced by a multitude of factors ranging from technological advancements and regulatory changes to shifting demographics and economic trends. These statistics, updated as of January 10, 2025, provide a snapshot of the industry's landscape, highlighting key aspects such as coverage, enrollment, gross written premium, market share, premium trends, demographic and regional insights, global dynamics, Medicare Advantage and public health exchange markets, and recent developments.

美国的健康保险行业是一个庞大而复杂的生态系统，受到技术进步、监管变化、人口结构和经济趋势变化等多种因素的影响。这些统计数据截至 2025 年 1 月 10 日更新，提供了行业概况的快照，突出显示了覆盖范围、注册人数、总承保保费、市场份额、保费趋势、人口和区域洞察、全球动态、医疗保险优势和公共等关键方面。健康交换市场以及最新动态。

Editor's Choice: Key Health Insurance Statistics As of 2025

编辑精选：截至 2025 年的主要健康保险统计数据

In 2025, the total number of people covered by health insurance in the United States reached approximately 338.3 million, out of which 312.9 million had private health insurance and 25.4 million were covered by Medicaid.

2025年，美国医疗保险覆盖总人数约为3.383亿，其中3.129亿人拥有私人健康保险，2540万人享受医疗补助。

The gross written premium for the health insurance industry in the United States amounted to $1.6 trillion in 2025.

2025年，美国健康保险行业的总承保保费将达到1.6万亿美元。

UnitedHealth Group maintained its dominance in the health insurance market, holding a market share of 14.1% in 2025, followed by Anthem, Inc. at 8.9% and CVS Health at 8.1%.

UnitedHealth Group 继续保持其在健康保险市场的主导地位，2025 年市场份额为 14.1%，其次是 Anthem, Inc.（8.9%）和 CVS Health（8.1%）。

Between 2020 and 2025, health insurance premiums experienced a rise, with an average annual increase of 4.5%.

2020年至2025年，健康险保费呈上升趋势，年均上涨4.5%。

The health insurance industry in the United States is expected to continue expanding, driven by factors such as increasing demand for health services, technological advancements, and regulatory changes.

在健康服务需求增加、技术进步和监管变化等因素的推动下，美国的健康保险行业预计将继续扩张。

The health insurance industry in the United States is a heavily regulated sector, with both state and federal agencies playing a role in overseeing the industry. At the federal level, the Department of Health and Human Services (HHS) has primary responsibility for regulating health insurance, through agencies such as the Centers for Medicare & Medicaid Services (CMS) and the National Association of Insurance Commissioners (NAIC). State insurance departments also have significant authority over the industry within their respective jurisdictions.

美国的健康保险行业是一个受到严格监管的行业，州和联邦机构都在监督该行业方面发挥着作用。在联邦层面，卫生与公众服务部 (HHS) 主要负责通过医疗保险和医疗补助服务中心 (CMS) 以及全国保险专员协会 (NAIC) 等机构监管健康保险。国家保险部门在各自管辖范围内对该行业也拥有重要的权力。

Health insurance regulations in the United States cover a wide range of topics, including licensing and solvency requirements for insurers, premium rate setting, coverage mandates, and consumer protections. These regulations are designed to ensure that health insurers are financially sound, that premiums are fair and reasonable, and that consumers have access to affordable and comprehensive health coverage.

美国的健康保险法规涵盖广泛的主题，包括保险公司的许可和偿付能力要求、保险费率设定、保险范围要求和消费者保护。这些法规旨在确保健康保险公司财务稳健，保费公平合理，并确保消费者能够获得负担得起的全面健康保险。

Over the years, there have been numerous debates and discussions regarding the optimal level of government regulation in the health insurance industry. Some argue that greater regulation is needed to protect consumers and ensure the industry operates in the public interest, while others contend that excessive regulation stifles innovation and drives up costs. The ongoing discussions and varying perspectives on this topic reflect the complexity and importance of finding the right balance in regulating the health insurance sector.

多年来，关于健康保险行业的政府监管最佳水平存在着无数的争论和讨论。一些人认为，需要加强监管以保护消费者并确保该行业的运营符合公共利益，而另一些人则认为过度监管会扼杀创新并推高成本。关于这一主题的持续讨论和不同观点反映了在健康保险行业监管中找到适当平衡的复杂性和重要性。