Health insurance premiums have continued their steady climb into 2026, and for many households, the number on the renewal notice is the first real signal that it's time to look at alternatives. Here's what's shaping costs this year and what options exist beyond a standard marketplace or employer plan.
The 2026 Landscape: Why Health Insurance Costs Are Rising
Over the years, health insurance has been steadily consuming a larger portion of the average household's income. Several key factors have converged this year to drive premiums upward across the US:
Expiration of Subsidies: The conclusion of enhanced Affordable Care Act (ACA) subsidies has significantly impacted middle-income families. Without these tax credits to offset the bill, monthly out-of-pocket premiums have surged.
Projected Premium Increases: According to data from CMS.gov, the average monthly premium for even the lowest-cost Marketplace plans is projected to be approximately $50 in 2026 for eligible enrollees. This represents a $13 monthly increase from 2025.
The High-Deductible Trap: While a $50 monthly premium may seem manageable, these "entry-level" plans often carry extremely high deductibles. Families frequently find themselves paying thousands of dollars out-of-pocket before the insurance company contributes a single cent toward care.
Medical Inflation: Higher costs for prescription drugs, hospital stays, and specialized treatments have forced insurers to raise rates to maintain their profit margins.
Where Healthcare Sharing Fits In
For individuals and families needing to make a change, WeShare Health's healthcare sharing programs offer a more affordable option that is built around quality care, hands-on support, and community-centered care. Designed to provide financial relief without compromising on the quality of care, WeShare Health's health sharing programs offer Members:
Significant Savings: WeShare Health programs are structured to be more affordable than many private insurance plans, often allowing families to save thousands of dollars annually.
Access to Quality Providers: Members gain access to a comprehensive provider network, ensuring that quality care is available from trusted doctors and facilities across the country.
Values-Based Stewardship: Contributions made by members support a community that shares similar beliefs and ethical standards, ensuring that Member contributions are used in a way that benefits the community.
Reliable Support: The program emphasizes a people-first philosophy, providing access to dedicated Member Advisors to help navigate the sharing process and answer questions.
How to Compare Your Real Cost
Look past the monthly premium and add in your expected deductible spend and typical annual visits. WeShare Health's savings calculator is built to make that comparison quickly using your actual numbers instead of national averages.
Curious what your household would actually pay with WeShare Health? Run your numbers at wesharehealth.org or call 800-918-7630.
