Analysts warn U.S. health insurance premiums are set to increase again in 2026, driven by higher care utilization, new drug costs, and broader system inflation. Employers may respond with narrower networks and higher deductibles, putting more strain on households already squeezed by everyday expenses.
The rising costs are also expected to complicate negotiations during open enrollment season, with many families weighing whether employer-sponsored coverage still feels affordable.
Between the Lines
Even with headline inflation easing, the real cost of health care is heading up. GLP-1 drugs and pent-up demand are reshaping risk pools, meaning families could see slimmer coverage even if wages inch higher.
