Health Trends 2026: Balancing cost control with benefits optimization 

Employer-provided health plans face intense pressure as projected medical trend is double-digits across most markets through 2026. Underlying medical plan cost drivers include increased utilization from higher incidence of health conditions and advanced technologies. 

Through our Health Trends global research of 268 insurers across 67 markets we learned the top challenges and opportunities for employer-provided health and benefits with three key trends

Understanding these trends and their impact is key for employers, allowing them to design healthcare plans that meet the needs of business and employees. 

Results show that by moving away from cost shifting towards better cost management can be achieved – a sustainable approach that combines cost management and health quality improvement. Dollars saved can be directed back into the health plan, creating benefits that all employees will use, trust and value.

• Get a clear view of the top trends for employer sponsored healthcare for your region and market as you plan for 2026.
• Learn the three key areas requiring HR professionals’ actions to better prepare for the year ahead.
• Take action to effectively adapt your health and benefits plans to optimize value for your business and your employees. 

Now is the time for employers to adopt strategic measures that can manage costs and optimize spending to protect plan sustainability. 

The goal is clear: to effectively manage risk and cost, improve affordability, expand protection, and widen the scope of benefits to better meet employee needs. Here’s what you need to know.