Health insurance costs for workers with employer-sponsored plans are expected to rise significantly in 2026.

The projected rate spike could be the highest since 2010, outpacing wage growth and inflation.

It's time to mentally prepare yourself to be paying even more for health care in 2026.

Workers under employer-sponsored health insurance are still reeling from the 6% on average cost increase in 2025, but relief isn't on the horizon. Rates are expected to spike even higher in 2026 – the largest percentage increase since 2010, possibly as much as 9%, and it's the fourth year in a row health insurance costs will rise.

By comparison, workers wages grew 4% and inflation is up 2.7% from a year ago.

To put it more tangibly, KFF Health News reported that the average American family of fo

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