Health Insurance Costs to Jump 9% in 2026 — How HSAs Can Help！

Based on a recent survey of U.S. employers who offer health insurance to employees, consulting firm Mercer reports that 2026 health insurance costs are likely to rise steeply. Employers estimate an average 9% increase in costs if they don’t alter their insurance plans. This could mean higher out-of-pocket costs for covered employees. One way to manage such costs is with a Health Savings Account (HSA). If your employer offers one, in 2026 you can contribute up to $4,400 (individuals) or $8,750 (families) and an additional $1,000 if you’re age 55 or older, via pre-tax payroll deductions. You can then use your tax-advantaged HSA to pay eligible medical costs not covered by insurance.