In 2026, the cost of health care in the United States is expected to change significantly, impacting different groups of people in varying ways. According to a report by NBC News, some individuals will face higher expenses while others may see reduced costs. These changes are primarily linked to shifts in the Affordable Care Act (ACA), Medicaid, and Medicare.

The ACA, which has been instrumental in expanding health insurance coverage, is set to undergo adjustments that could influence premiums and out-of-pocket costs for many Americans. As the federal subsidies that help lower insurance costs for many individuals are reevaluated, some might experience increased financial burdens while others could benefit from reduced expenses.

Medicaid, the government program providing health coverage to low-income individuals and families, may also see changes in funding and eligibility. These potential adjustments could lead to variations in coverage and costs for current and prospective beneficiaries. The extent of these changes will depend on state-level decisions and federal policy shifts.

Medicare, the federal health insurance program for people aged 65 and older, as well as some younger individuals with disabilities, is another area where costs might fluctuate. Changes in premiums, deductibles, and co-pays could affect the financial responsibilities of enrollees. The specific impact will depend on legislative decisions and policy implementations in the coming years.

Overall, the anticipated changes in health care costs highlight the importance of staying informed about policy developments and understanding how they might affect individual financial situations. As 2026 approaches, it will be crucial for patients to review their health insurance options and consider adjustments to their coverage to mitigate potential cost increases.

Sources

• Health care will get more expensive for some in 2026 — and cheaper for others - NBC News discusses upcoming changes in health care costs due to shifts in ACA, Medicaid, and Medicare.