AM Best revises U.S. health insurance sector outlook to negative due to higher medical utilization, rising costs, and regulatory challenges impacting Medicare, Medicaid, commercial, and ACA markets through 2025.

Pennsylvania insurance carriers propose average 19% premium hikes for ACA plans in 2026 amid expiring federal tax credits. State review ongoing; public comment open through Sept. 2.

Major U.S. health insurers face rising medical costs driven by specialty drug spending and upcoding, impacting earnings and Medicaid, ACA market dynamics in 2025.

Prescription drug denials by private insurers rise 25% (2016-2023). Sarepta gene therapy linked to patient deaths. ICE gains Medicaid data access. ACA insurers seek 2026 rate hikes. Implications for U.S. insurance, regulatory compliance, and patient access.