2026年,由于补贴到期、药物和护理成本上升以及利用率提高,美国医疗保险费在2026年猛增。 U.S. health insurance premiums surged in 2026 due to expired subsidies, rising drug and care costs, and increased utilization.

美国的健康保险保险费在2026年猛增,雇主赞助的计划增加了9 % , 年增长率最大 — — 《可负担护理法》基准计划平均增长26%, 其驱动因素是联邦强化补贴的结束,这将平均提高注册者自付费用的114 % 。 Health insurance premiums in the U.S. are surging in 2026, with employer-sponsored plans rising 9%—the largest increase in years—and Affordable Care Act benchmark plans up 26% on average, driven by the end of enhanced federal subsidies that will raise enrollees’ out-of-pocket costs by 114% on average. 医疗保险B部分保险费也增长了近10%。 Medicare Part B premiums also increased nearly 10%. 医疗保健利用率的提高、慢性病的流行、医院合并、药物成本的提高——特别是对GLP-1药物而言——以及扩大远程保健的普及,正在推动支出的增加。 Rising healthcare utilization, chronic disease prevalence, hospital consolidation, higher drug costs—especially for GLP-1 medications—and expanded telehealth access are fueling higher spending. 雇主面临癌症、心脏病和精神保健费用不断增加的问题,而保险公司的利润率和护理延误正在受到国会的审查。 Employers face growing costs from cancer, heart disease, and mental health care, while insurer profit margins and care delays are drawing congressional scrutiny.