Experts point to several factors behind the surge in health insurance prices, including general inflation, the growing use of high-cost prescription drugs, and consolidation among medical providers.

Private health insurance premiums will be going up in 2026 – in some cases, by a lot. Congressional Democrats and Republicans remain deadlocked on health care reform, following disagreements over America’s health insurance marketplace that contributed to November’s government shutdown.

According to KFF, employers typically pay between 75% and 85% of the plan’s expenses and pass the rest onto workers. The remainder is usually deducted from their paychecks in the form of premiums. For 2026, employers are planning to shift more of those costs onto workers.

The Reserve Bank of India's Financial Stability Report highlights emerging structural pressures in the insurance sector, noting that premium growth is increasingly driven by high-cost distribution strategies rather than operating efficiency.

Facing a 200 percent increase in health insurance premiums, one Pittsburgh area couple, remarried for health insurance.

Covered California warns that some people may be at risk of dropping their health insurance. It all comes as the deadline to enroll nears.

New data shows employer-sponsored health insurance costs in California jumped sharply from 2022 to 2025, rising twice as fast as inflation while shifting more costs onto workers and employers.

Explore AssuranceAmerica's car insurance costs including monthly premiums, age-based rates, and how your credit score affects pricing before you commit.