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Health insurance costs are skyrocketing in 2026, impacting both individuals and employers. Rising medical expenses, particularly from expensive new drugs and increased emergency room visits, are driving up premiums. Insurers are seeing fewer healthy customers in individual markets, leading to a higher concentration of sicker patients. The Affordable Care Act marketplaces face significant premium increases, potentially exacerbated by expiring tax credits. Employers may shift more costs to employees, resulting in higher deductibles or changes to prescription drug coverage. Patients can expect to pay more for healthcare in the coming year.

Prepared by Olivia Bennett and reviewed by editorial team.