2026 Health Plan Satisfaction High Despite Premium Increases, AI Tools Rising

A recent eHealth survey reveals that 77% of Americans feel positive about their health plan options for 2026, with Medicare beneficiaries expressing the highest satisfaction levels. Employer-sponsored insurance enrollees also reported favorable views, despite broader concerns about plan adequacy. However, significant premium cost increases were noted, particularly among ACA marketplace enrollees, where over half were surprised by steep premium hikes. The average out-of-pocket maximum for Medicare Advantage plans rose by 8% in 2026, although average monthly premiums remained stable, and deductibles decreased slightly. Notably, 86% of Medicare Advantage enrollees selected plans without monthly premiums, marginally higher than the previous year. This indicates a strategic pricing shift aimed at balancing cost increases and plan attractiveness. Respondents showed optimism regarding potential extension of subsidy enhancements for ACA plans, reflecting ongoing legislative uncertainties impacting marketplace affordability. Additionally, survey data suggests considerable public support for GLP-1 drug accessibility initiatives promoted by the government, with a significant portion of participants planning to utilize these treatments once discounted. Artificial intelligence tools for health insurance shopping received favorable ratings, with the majority indicating willingness to use AI-driven platforms if they can reduce time and financial expenditures. This highlights a growing trend toward technology-assisted consumer engagement in insurance decision-making. Overall, the findings underscore critical market dynamics including premium inflation, subsidy policy impacts, and consumer adaptation to digital tools. Insurance professionals should monitor these trends closely to anticipate shifts in enrollment behavior and plan design preferences ahead of the 2026 coverage year.