2026 State of Healthcare Spend
Cost pressures, funding decisions, and benefit priorities from 1,500+ small and midsize employers.
What’s happening in the market?
Healthcare costs are rising faster than small and midsize employers can absorb — and the old renewal playbook isn’t working anymore. This report breaks down what’s really driving costs, who’s affected most, and how employers are responding.
Key Takeaways Include:
- Why “manage the renewal” is no longer a strategy, and what to focus on instead
- Which cost drivers are actually worth targeting — and which are just noise
- What peer employers are doing differently, and whether it’s working
- How to know if your funding model is quietly working against you
- What to ask before your next renewal, so you’re not caught off guard