Health insurance premiums are expected to rise an average of 8.5% in 2026, driven by prescription drug costs and utilization increases. Insurers cite the growing use of GLP-1 medications as a major factor.
Employers offering group coverage are bracing for renewal shocks, with some seeing double-digit increases. Brokers recommend reviewing plan designs early and exploring high-deductible options paired with HSAs.
Consumers shopping on the ACA marketplace during the upcoming open enrollment should compare silver plans carefully, as subsidy enhancements remain in place through the end of the year.
