Health insurance premiums across the United States are projected to increase by an average of 8.4 percent heading into the second half of 2026. Insurers cite rising hospital costs and increased utilization as primary drivers.
Employers are now exploring high-deductible plans paired with health savings accounts to offset the burden on workers. Consumer advocacy groups warn that affordability gaps will widen without legislative intervention.
Open enrollment advisors recommend comparing marketplace plans early to lock in the most competitive rates before fall adjustments take effect.
