Healthcare costs for Americans are projected to rise significantly in 2026, creating new affordability challenges for individuals, families, and seniors. The increase is largely driven by higher Affordable Care Act (ACA) marketplace premiums, the expiration of enhanced subsidies, and rising Medicare and employer-sponsored insurance costs.
While some low-cost coverage options remain available, many consumers are expected to face sharp premium increases. This will potentially lead millions to reconsider or even drop their health insurance coverage.
“Health subsidies expire, launching millions of Americans in 2026 with steep insurance hikes” – Source: PBS News, January 1, 2026
Why Healthcare Costs Are Rising in 2026
Several factors are contributing to the projected increase in healthcare costs across the United States.
ACA Marketplace Premium Increases
Benchmark silver plans in the ACA marketplace are expected to rise by an average of 21.7% in 2026. Insurers cite higher financial risk and the expiration of enhanced tax credits as major reasons for these increases.
For some consumers, particularly those who do not qualify for subsidies, premium increases could average 114%, dramatically raising monthly insurance costs.
Expiration of Enhanced ACA Subsidies
Enhanced subsidies introduced in recent years helped lower premiums for millions of Americans. With these subsidies expiring, many enrollees will now pay substantially more for coverage. In some cases, monthly premiums may more than double, especially for middle-income households.
Medicare Premium Increases
Medicare beneficiaries will also see higher costs in 2026. The Medicare Part B monthly premium is projected to rise to $202.90, up from $185.00 in 2025. This increase may absorb a larger share of Social Security cost-of-living adjustments, reducing net income for many retirees.
Employer-Sponsored Insurance Costs
Workers with employer-sponsored health insurance are not immune to rising costs. Premiums for employer-provided coverage are expected to increase by 6% to 7%, which may lead to higher payroll deductions, deductibles, or cost-sharing.
The Growing Affordability Challenge
As healthcare costs rise, affordability remains a major concern:
- 36% of U.S. adults reported skipping or delaying medical care due to cost in the past year.
- This trend is expected to continue as premiums and out-of-pocket expenses increase.
- Higher costs may discourage preventive care, potentially leading to worse long-term health outcomes.
Projected Coverage Scenarios for 2026
Significant Premium Hikes
Some Americans, particularly middle-income earners who are no longer eligible for subsidies, may see premium increases exceeding 100% in certain scenarios.
Potential Coverage Loss
Analysts estimate that rising premiums could cause up to 4.8 million Americans to drop health insurance coverage in 2026, increasing the number of uninsured individuals nationwide.
Continued Access to Low Cost Plans for Some
Despite rising costs, approximately 60% of eligible re-enrollees may still have access to a plan costing $50 per month or less after tax credits. However, eligibility and savings will vary widely by income, location, and household size.
Strategies to Manage Rising Healthcare Costs
While cost pressures are increasing, there are steps consumers can take to manage expenses.
Use Open and Special Enrollment Periods Wisely
Enrollment rules have tightened, and qualifying life events—such as job loss, marriage, or relocation—are generally required to access subsidies outside the annual open enrollment period.
Compare Plans and Explore Discounts
Consumers are encouraged to:
- Compare plans annually through HealthCare.gov
- Use tools like prescription discounts
- Explore member benefits and savings programs through organizations such as AARP
- Compare with prices at www.mailordermeds.com before paying out of pocket for any medication and reach out (phone or email) if you can’t find your medication.
Reviewing coverage options carefully can help identify more affordable plans or lower out-of-pocket costs.
Looking Ahead to 2026
Rising ACA premiums, expiring subsidies, higher Medicare costs, and increasing employer-sponsored insurance rates all point to a challenging healthcare landscape in 2026. While some Americans will still find affordable options, many will face difficult choices related to coverage, care, and cost.
Staying informed, reviewing plan options carefully, and using available cost-saving resources will be essential as healthcare expenses continue to rise.
At Mail Order Meds, we will continue monitoring the situation and work diligently to offer the best prices and the best services.
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