Average Health Care Costs For A Family Of Four Above $20,000 A Year | A family of four will pay an average of $20,728 a year for health care. It is a 6.9 percent increase over last year, according to a new report. Employees will pay about 41 percent of the costs through pay deductions or cost sharing, with employers paying the rest. A report from the Commonwealth Fund released earlier this month found that the United States spends more on health care per person than any other developed nation, but did not receive the best quality of care. One of the goals of the Affordable Care Act is to slow the growth of health care costs.