Year-End Review: Employer Health Insurance Coverage Changes for 2026

As the year ends, it's critical for employees to review their employer-based health insurance coverage to understand changes in financial responsibilities for 2026. Key elements to compare include premiums, deductibles, co-pays, out-of-pocket maximums, and coverage details. Communication of updated insurance information to healthcare providers is essential to avoid billing errors. Timing of planned care can significantly impact costs since many health plans reset deductibles and out-of-pocket limits at the start of the new benefit year. If deductibles or out-of-pocket maximums have been met for the current year, receiving care before January 1 may reduce expenses. Conversely, if the new plan offers better coverage and lower costs, delaying care until after the new year may be financially advantageous, provided it does not negatively affect health. Consulting with physicians about the timing of care relative to insurance changes is advised.