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BTD Health Policy in 2026

Health Policy in 2026

President and CEO Dr. Drew Altman forecasts eight things to look for in health policy in 2026. “First and foremost,” he writes, “is the role health care affordability will play in the midterms.” And, he notes: “The average cost of a family policy for employers could approach $30,000 and cost sharing and deductibles will rise again after plateauing for several years.”

View all of Drew’s Beyond the Data Columns

New and Noteworthy

Policy Changes Bring Renewed Focus on High-Deductible Health Plans

Policy changes, anticipated increases in premium costs for enrollees, and new standards for health savings accounts may encourage consumers to seek out plans with lower premiums but higher deductibles. This issue brief explores the features of bronze and catastrophic plans, coverage and costs, and the complicated choices consumers face.

Explaining Individual Coverage Health Reimbursement Arrangements (ICHRAs)

Examining Short-Term Limited-Duration Health Plans

Health Savings Account Provisions in the 2025 Tax and Spending Law

Consumer Experiences with Health Insurance

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  • Navigator Funding Restored in Federal Marketplace States for 2022

    Issue Brief

    This data notereviews the data from CMS about its funding awards to Navigator programs serving consumers in the federal marketplace states during the 2022 open enrollment season, as well as funding trends over time and funding by state.

  • What would ACA Subsidies Have Been in 2022 if COVID-19 Relief Had not passed?

    Interactive

    This calculator is for illustration purposes and shows the tax credits and premiums that marketplace customers would have paid in 2022 if not for the enhanced subsidies included in the 2021 COVID relief legislation, the American Rescue Plan Act, (ARPA). The enhanced subsidies expire at the end of the year.

  • Five Things to Know about the Renewal of Extra Affordable Care Act Subsidies in the Inflation Reduction Act

    Policy Watch

    As part of the Inflation Reduction Act, the Senate recently passed a three-year extension (through 2025) of enhanced subsidies for people buying their own health coverage on the Affordable Care Act Marketplaces. The enhanced subsidies increase the amount of financial help available to those already eligible and also newly expand subsidies to middle-income people, many of whom were previously priced out of coverage. Here’s what to know about the likely renewal of these subsidies:

  • Marketplace Sign-ups Increased by 21% in 2022

    Feature

    Forty-seven states saw Marketplace enrollment increase, ranging from 1% in Rhode Island to 42% in Texas. In 20 states, enrollment increased by more than 20%.

  • Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2021

    Interactive

    This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as for firms with relatively few or many part-time workers, higher- or lower-wage workers, and older or younger workers.

  • Public vs. Private Health Insurance on Controlling Spending

    News Release

    In his latest column for The Wall Street Journal's Think Tank, Drew Altman analyzes whether public or private health insurance does a better job of controlling costs. All previous columns by Drew Altman are available online.

  • At Tax Time, No Public Backlash Over Obamacare’s Individual Mandate

    News Release

    As tax season closes, Drew Altman looks at why the ACA’s individual mandate and tax credit reconciliation process “passed their first major hurdles this tax season with no significant public backlash,” in his latest column for The Wall Street Journal's Think Tank.

  • What Do We Know About People with High Out-of-Pocket Spending?

    Feature

    Based on an analysis of claims data, this slideshow examines overall trends, gender and age of high out-of-pocket spenders in large employer health plans, as well as differences in out-of-pocket health expenditures across diseases.