The findings come as affordability concerns weigh heavily on residents across the country. In Massachusetts, the sharp rise in premiums means families are devoting a growing share of their budgets to health care, even as wages have failed to keep pace.

“The status quo is not sustainable,” said David Seltz, executive director of the Health Policy Commission.

The report underscores a deepening challenge for the state’s health care system, which has long been viewed as a national leader in coverage and quality. While the Affordable Care Act and state reforms have expanded access, the escalating cost of premiums threatens to undermine those gains, particularly for middle- and lower-income families who may face difficult choices between health coverage and other necessities.

The commission’s analysis did not pinpoint a single cause for the increase, but the trend reflects broader pressures in the health care market, including rising hospital and prescription drug costs, consolidation among providers and insurers, and the lingering effects of the pandemic on care delivery.

For local families, the numbers are stark: a $30,000 annual premium amounts to $2,500 a month, a sum that for many households rivals a mortgage payment. With premiums projected to reach $50,000 by 2032, the burden could become untenable without intervention.

The report is likely to intensify debate over how to control health care costs in Massachusetts. Lawmakers and regulators have considered a range of measures, from caps on provider prices to greater oversight of insurance rate increases, but consensus on a solution has been elusive.

Seltz’s warning signals that the commission, which monitors health care spending and market trends, sees urgent need for action. Whether policymakers will heed that call remains to be seen, but the report provides a clear benchmark: without changes, the cost of coverage will continue to climb, straining family budgets and the state’s broader economy.