Summary
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Healthcare costs in the United States continue to climb, placing increasing pressure on employers and employees alike. As employers are likely to spend more, itʼs important for them to understand the drivers behind rising healthcare costs and communicate these realities effectively to their employees.
A Business Group on Health (BGH) survey found that U.S. employers expect a 9% increase in healthcare costs in 2026. Other industry surveys predict a cost increase between 8.5% and 10% in 2026.
Key Drivers Behind Rising Costs in 2026
GLP-1 Medications- High cost and growing use
Cancer Care Spending- High-cost treatments
Mental Health- Rising utilization
Chronic Conditions- More prevalent cases
Macroeconomics- Inflation and labor costs
Provider Consolidation- Reduced Competition
7 Ways to Communicate With Employees
Develop clear and simple messaging
Employers should avoid jargon and use straightforward language to explain why costs are rising and the steps the organization is taking to address them.
Educate on cost drivers
The end goal is to help employees become informed healthcare consumers so they feel confident in their decisions, making ones that result in lower costs.
Explain plan usage
Employers can share insights on how employees can use their plans effectively, avoid unnecessary costs and understand the value of their benefits.
Highlight cost-containment efforts
Show employees what youʼre doing to manage costs, such as negotiating with providers, using reference-based pricing or offering telehealth.
Use real-world examples
When possible, employers can put benefits offerings in the context of real-world scenarios to illustrate how cost drivers affect the organization and its employees.
Explain macroeconomic factors
Employers can share resources that explain why costs are rising everywhere, so employees understand the bigger picture.
Use multiple communication channels
Organizations should tailor communication methods to their workforce, perhaps combining in-person meetings, digital tools and printed materials.
© 2026 Zywave
Navigating these rising costs while trying to design a benefits package that supports your workforce is no easy task. GTM Insurance Agency specializes in helping employers implement strategic cost-containment measures and clear employee communication plans to ease the burden of 2026’s healthcare trends. Contact us today to review your current offerings and find sustainable solutions for your organization. Call us at at 518-373-4111 or request a complimentary consultation.
