{
  "id": 5473106,
  "title": "Your health insurance rates are going to rise next year: Here's why",
  "url": "https://urgent.news/2026/09/04/your-health-insurance-rates-are-going-to-rise-next-year-heres-why",
  "topic": "health",
  "section": "Health & Medicine",
  "published": "2026-09-04T02:40:01.000Z",
  "source": {
    "name": "Medical Xpress",
    "slug": "medical-xpress",
    "url": "https://medicalxpress.com/news/2026-09-health-year.html"
  },
  "original_language": "en",
  "account": "Employer health care costs are expected to surge by nearly 11% next year, marking the largest increase in over two decades, according to a survey of 1,800 employers conducted by Marsh, a benefits consulting firm. The projected rise, which would involve reductions in coverage, would be the steepest since 2003, as reported by The New York Times. About a third of the surveyed employers anticipate costs climbing by at least 10% even after implementing benefit cuts. This year has been challenging, and the upcoming year appears to be even more difficult, according to Beth Umland, Marsh's director of employer research for health and benefits. Approximately 160 million Americans under the age of 65 receive health insurance through their jobs, and many will face higher premiums, deductibles, and copays next year. Employers are responding to the rising costs by trimming coverage, discontinuing payments for certain drugs, and challenging payments for services provided by out-of-network doctors. The surge in costs is attributed to several factors, including increased hospital and drug prices, the use of artificial intelligence by hospitals and doctors to document patient care, and a higher demand for GLP-1 drugs used to treat conditions such as type 2 diabetes. Additionally, Medicaid cuts may exacerbate the pressure on employers. Some employers are exploring alternative approaches to purchasing health care, such as contracting directly with healthcare providers for services like imaging and demanding detailed records of their payments.",
  "summary": "Employer health care costs are on track to climb about 11% next year, the sharpest jump in more than two decades.",
  "key_points": [
    "Employer health care costs projected to rise 11% next year",
    "About a third of surveyed employers expect costs to increase 10% or more after cuts",
    "Factors include higher hospital and drug prices, AI use, GLP-1 drug demand, and Medicaid cuts"
  ],
  "editors_take": "The sharp rise in employer health care costs next year means higher premiums, deductibles, and copays for millions of Americans who receive health insurance through their jobs.",
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}