{"id":17499,"date":"2025-08-25T10:26:08","date_gmt":"2025-08-25T14:26:08","guid":{"rendered":"https:\/\/gtm.com\/business\/?p=17499"},"modified":"2025-08-25T10:26:08","modified_gmt":"2025-08-25T14:26:08","slug":"health-care-costs-2026","status":"publish","type":"post","link":"https:\/\/gtm.com\/business\/health-care-costs-2026\/","title":{"rendered":"Are Health Care Costs Expected to Rise in 2026?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-17500\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/08\/pexels-karolina-grabowska-4386225.jpg\" alt=\"health care costs 2026\" width=\"1024\" height=\"682\" srcset=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/08\/pexels-karolina-grabowska-4386225.jpg 1024w, https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/08\/pexels-karolina-grabowska-4386225-980x653.jpg 980w, https:\/\/gtm.com\/business\/wp-content\/uploads\/2025\/08\/pexels-karolina-grabowska-4386225-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/p>\n<p>A <a href=\"https:\/\/www.businessgrouphealth.org\/resources\/2026-employer-health-care-strategy-survey-executive-summary\" target=\"_blank\" rel=\"noopener\">recent survey<\/a> of large employers by the Business Group on Health (BGH) revealed that U.S. employers predict a 9% increase in health care costs for 2026. This would be the most significant annual increase in health care costs in more than a decade, marginally outpacing recent years where employers generally predicted 7%-8% growth in costs.<\/p>\n<p>Employers project 9% increases before plan design changes and 7.6% after cost-controlling measures, such as cost sharing, revisiting benefits offerings and evaluating vendors.<\/p>\n<p>Employers credit this increase in part to the high cost and usage of glucagon-like peptide 1 (GLP-1) agonists, more prevalent high-cost treatments, rising incidences of chronic and complex conditions, and an uptick in mental health conditions. Employers expect pharmacy cost trend to increase by 12% in 2026 (11.3% after plan design changes).<\/p>\n<p>The BGH survey gathered data from 121 employers, insuring 11.6 million people. In the survey, employers shared their top areas of concern, including the following:<\/p>\n<h3>There is a rise in the use of expensive obesity medications<\/h3>\n<p>The survey found that 79% of employers have seen greater use of GLP-1s, with an additional 15% anticipating an increase in the future.<\/p>\n<h3>Cancer is the top condition driving employer health care costs<\/h3>\n<p>The prevalence of cancer has been made worse by an increase in cancer diagnoses and escalating costs of treatment.<\/p>\n<h3>The use of mental health services has increased<\/h3>\n<p>The survey found that 73% of employers reported an increase in mental health services.<\/p>\n<p>According to the Business Group on Health survey data, employers are implementing several cost management strategies. Employers surveyed say they will focus more on preventive care and screening coverage, limit or reduce coverage for GLP-1 agonists, bargain harder with vendors and explore nontraditional prescription drug models.<\/p>\n<p><em>\u201cConcerns about pharmacy trend are nothing new, but they\u2019ve gotten worse.\u201d<\/em> &#8211; Ellen Kelsay, president and CEO of BGH<\/p>\n<h2>Employer Takeaway<\/h2>\n<p>This BGH annual survey reveals that employers will likely continue to struggle with health care costs. Employers should continue to monitor market trends for health care cost increases. Rising health care costs are unavoidable, but cost-savings strategies may allow some employers to mitigate this impact.<\/p>\n<p><em>\u00a92025 Zywave, Inc. All rights reserved.<\/em><\/p>\n<h2>How GTM Can Help with Your Health Care Costs<\/h2>\n<p>If you are looking for guidance on how to best manage your benefits, GTM&#8217;s <a href=\"https:\/\/gtm.com\/business\/hr-consulting-services\/\">HR consulting services<\/a> can assist. <span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">We will provide consultations on benefits selections and work with your broker to customize the right package for your business. We\u2019ll also work with your employees on benefits advisement and education, as well as helping with enrollment. And we\u2019ll provide benefits administration within your payroll or HRIS platform.<\/span><\/p>\n<p>In addition, the <a href=\"https:\/\/gtminsurance.com\/employee-benefits\/\" target=\"_blank\" rel=\"noopener\">GTM Insurance Agency<\/a> understands that these cost increases can be concerning. So it\u2019s more important than ever to understand your options and ensure your employees have the coverage you need. We\u2019re here to help you navigate these complexities and explore solutions tailored to your situation. Call us today at 518-373-4111 or <a href=\"https:\/\/gtminsurance.com\/get-a-quote\/\" target=\"_blank\" rel=\"noopener\">request a complimentary consultation<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>U.S. employers predict a 9% increase in health care costs for 2026. Learn what this means for your business and your employees.<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[232],"tags":[20,16,30,187],"post_folder":[],"class_list":["post-17499","post","type-post","status-publish","format-standard","hentry","category-gtm-biz-blog-isolved","tag-employee-benefits","tag-employees","tag-health-insurance","tag-mental-health"],"_links":{"self":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts\/17499","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/comments?post=17499"}],"version-history":[{"count":1,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts\/17499\/revisions"}],"predecessor-version":[{"id":17501,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/posts\/17499\/revisions\/17501"}],"wp:attachment":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/media?parent=17499"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/categories?post=17499"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/tags?post=17499"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/post_folder?post=17499"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}