Core Insights - Rising health insurance costs are anticipated for 2026, affecting premiums, deductibles, and out-of-pocket expenses, necessitating proactive financial planning [1][2] Group 1: Cost Increases - The average employer is expected to pay 6.5% more per employee for health coverage in 2026, indicating potential cost transfers to employees through higher premiums or deductibles [3] - Maximum out-of-pocket costs could reach $5,000 for individuals and $10,000 for families, emphasizing the importance of understanding these limits to avoid financial strain [3] Group 2: Health Plan Strategies - High-deductible health plans (HDHPs) paired with health savings accounts (HSAs) can be beneficial if individuals have sufficient savings to cover higher deductibles, as HDHPs offer lower premiums but higher out-of-pocket costs [4][5] - Parents covering adult children on their plans should reassess their coverage options, as many young adults may have access to employer-sponsored insurance at potentially lower costs, allowing for cost savings without compromising coverage [5]