Right now, millions of workers are choosing their health plans for next year. The average family premium for employer coverage hit $28,303 in 2026, up 28% in the last five years. While employers appear to cover most of that premium, workers ultimately bear the full cost of those benefits through lower wages. Yet no one is really pushing back. The industry’s major players have little appetite for change. Insurers record higher earnings when premiums rise. Insurance brokers and benefits consultants get a piece of those premiums. Large hospital systems use their bargaining leverage to demand high prices with little fear of losing patients. Physicians, who are commonly paid fee-for-service, earn more by doing more. Drugmakers, with patent protection, largely set their own prices. Each has good reasons to keep things as they are. Read the rest…
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