3. Out-of-pocket maximums and deductibles rise

It’s not just premiums; your cost exposure is rising too.

Estimated increases: For ACA-compliant plans, self-only OOP (out-of-pocket) maxes may hit ~$10,600 in 2026 (vs ~$9,200 in 2025) and family coverage ~$21,200 (vs ~$18,400).

Implications: A higher deductible means you pay more before insurance kicks in; a higher OOP max means more risk of large bills.

Action: Be sure you understand your plan’s deductible + OOP max before enrolling. Consider Health Savings Accounts (HSAs) or other savings strategies if your plan has high cost-sharing.