U.S. health insurance premiums are projected to rise sharply in 2026, outpacing general inflation and driving higher out-of-pocket costs amid waning tax credits. Employer-based coverage and ACA marketplace premiums will pose significant affordability challenges.

Significant ACA health insurance premium hikes across 46 U.S. states are driving affordability challenges amid expiration of federal subsidies. Small businesses and consumers face increased financial strain in the evolving insurance landscape.