Healthcare isn't broken. Health insurance is
Nearly half of Americans have resolved to save more money in 2026. Unfortunately, many of those New Year’s resolutions are dead on arrival due to skyrocketing health insurance premiums that, starting this month, will eat up a larger share of families’ budgets.
TL;DR
- Nearly half of Americans aimed to save more money in 2026, but rising health insurance premiums are undermining this goal.
- Employer-sponsored health insurance premiums are increasing by an average of over 7% this year.
- Premiums for coverage purchased through the Affordable Care Act exchanges have risen by nearly 20% on average.
- Patients are paying more for premiums but receiving less value due to insurer limitations on doctors, hospitals, pharmacies, and medications.
- The article suggests Congress should reform the system by ending subsidies to insurers and improving patient control over healthcare decisions.
- The current health insurance system is described as an inefficient and expensive form of prepaid medical care rather than true insurance.