Healthcare Workers Have Faced Rising Insurance Costs

Premium hikes and the expiration of pandemic-era credits have left many workers seeking alternative coverage.

Updated on Oct. 2, 2026 in Healthcare

Bold flat-color editorial illustration depicting a stylized medical cross weighted down by heavy blocks, representing rising insurance costs. — Rising health insurance premiums and the expiration of federal pandemic-era credits have forced many U.S. workers to reconsider their coverage options. AI Illustration. Upload story photo >

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Is it becoming more difficult for your household to afford health insurance coverage?

Monthly health insurance premiums have surged for many Americans, including healthcare workers who are increasingly opting out of coverage. This trend follows the expiration of federal marketplace credits established during the COVID-19 pandemic.

Why it matters

Rising insurance costs have made standard coverage untenable for some small businesses and families, potentially leaving millions without protection. The expiration of federal support has accelerated these financial pressures on the U.S. workforce.

In 2024, 7% of all healthcare workers were uninsured, while the number of uninsured individuals is projected to grow by 15 million over the next decade. Meanwhile, employers expect insurance costs to climb an additional 8.2% for 2027.

The players

Congress

This is the legislative branch of the federal government that opted not to renew Affordable Care Act marketplace credits.

Samantha LeGault

She is a consumer who experienced a premium increase for family coverage from $700 to $1,500 per month.

The details

Rising premiums have impacted families like the Durhams, who now pay nearly $1,600 monthly and contribute $420 toward their physician assistant's coverage. Employers are considering alternatives such as offering higher hourly wages or switching to minimal plans as costs become unsustainable.

The Durhams established their medical practice in 2023.
Uninsured rates for healthcare workers were recorded in 2024.
The analysis regarding rising insurance costs was published in 2026.
Employer insurance costs are projected to increase 8.2% in 2027.

Market Landscape

This trend highlights the volatility in small business insurance markets following the expiration of pandemic-era federal subsidies. The shifts forced by the One Big Beautiful Bill Act indicate a broader move toward leaner, minimal coverage models across the industry.

Small business owners and self-employed individuals may face significantly higher monthly out-of-pocket expenses for family health plans. Households may need to reallocate savings or seek minimal coverage options to manage these rising insurance burdens.

The takeaway

Consumers facing premium spikes should investigate if alternative small business plans or higher deductible options fit their current financial reality. Tracking annual adjustments to employer-provided benefits is essential for maintaining consistent coverage in an inflationary environment.