New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

Jones Lang LaSalle Workers Prepare for Sharp Health Care Cost Increases in 2026

Healthcare Provider Update: Healthcare Provider Information for Jones Lang LaSalle Jones Lang LaSalle (JLL) offers a comprehensive range of healthcare real estate services. The company specializes in managing, optimizing, and developing healthcare facilities, leveraging its deep expertise to support healthcare providers in enhancing operational efficiency and improving patient care environments. Through its Healthcare Center of Excellence, JLL provides clients with tailored real estate solutions to navigate the complexities of the healthcare landscape effectively. Potential Healthcare Cost Increases in 2026 As we head into 2026, healthcare costs are projected to see significant increases due to a perfect storm of factors. Record hikes in health insurance premiums for ACA marketplace plans, sometimes exceeding 60% in various states, combined with the likely expiration of enhanced federal subsidies, could result in over 75% more out-of-pocket premiums for the majority of enrollees. Coupled with persistent medical cost inflation driven by high hospital and drug prices, consumers may find healthcare increasingly unaffordable unless proactive steps are taken now. The evolving regulatory environment will further complicate the landscape, emphasizing the necessity for strategic decisions in coverage and care. Click here to learn more

'With health care costs rising, Jones Lang LaSalle employees should take time to review their coverage and align it with their broader retirement income goals,' — Wesley Boudreaux, a representative of The Retirement Group, a division of Wealth Enhancement.

'Jones Lang LaSalle employees can stay ahead of rising health care expenses by proactively evaluating benefits and incorporating future medical costs into their long-term retirement strategy,' — Patrick Ray, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

Why health insurance premiums may rise in 2026.
How these changes could affect Jones Lang LaSalle employees and retirees.
Steps to help prepare for higher health care costs.

Millions of Americans, including employees at Jones Lang LaSalle, are learning that health insurance premiums could increase significantly in 2026. Depending on the state, income, and whether federal subsidies are offered, monthly premiums for many people may jump by double-digit percentages. ¹

Insurers are sending out letters to Affordable Care Act (ACA) marketplace plans nationwide, detailing significant rate increases that could impact Jones Lang LaSalle households who rely on supplemental or early retirement coverage. In many cases, people’s monthly premiums will go up by hundreds of dollars in the upcoming year. ²

Health policy researchers have collected new data suggesting average increases for marketplace plans could range from 10% to more than 20%. ¹ Many subscribers, including Jones Lang LaSalle retirees using marketplace plans, may see payments more than quadruple if expanded government subsidies disappear. ¹

Those purchasing insurance on the exchanges are not the only ones facing higher costs. Employer-sponsored plans used by many Jones Lang LaSalle families are also facing rising expenses as medical spending rebounds. In 2026, businesses anticipate an average cost increase of approximately 9%. ³

Reasons for Increasing Premiums

The main drivers behind premium hikes, according to insurers, include an aging population, rising medical costs, and increased health care usage post-pandemic—trends likely to impact Jones Lang LaSalle retirees.

In addition, unless Congress intervenes, the expanded ACA subsidies implemented during the pandemic are scheduled to expire after 2025, a potential concern for former Jones Lang LaSalle workers who rely on this support before Medicare eligibility. Without these subsidies, many middle-class families could see costs surge immediately.

More than 90% of ACA subscribers receive some government assistance with their premiums, ⁴ and analysts warn that if the expanded subsidies end, millions—including some who retired from Jones Lang LaSalle early—could lose coverage entirely by 2027. ⁴

The Individual Effect

Every statistic reflects a personal challenge impacting families. Small business owners, independent contractors, and early retirees are already reporting premium increases from $250 to $700 per month in several states. ⁵

Some households losing subsidies could face monthly premiums of $2,000 or more ⁴ —far above the $300–$400 range typical today—creating greater strain for Jones Lang LaSalle retirees trying to manage health care expenses.

Those living with chronic conditions face even harder decisions, since routine care and medications remain essential.

Getting Ready for 2026

Advisors recommend reviewing health plan options thoroughly during upcoming enrollment seasons, especially for those nearing retirement. This includes checking subsidy eligibility, comparing multiple coverage options, and evaluating whether a spousal or employer-sponsored plan could offer better value.

Professionals approaching retirement may want to consider tax-efficient health care savings tools like Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to help manage higher costs. It is also important to account for health care inflation when forecasting post-employment income.

A Monetary Urge to Act

Rising health care expenses can disrupt long-term goals for individuals and families, including those with many years of service at Jones Lang LaSalle. Medical coverage decisions should tie to retirement income strategies, tax planning, and asset preservation.

From retirement income and tax strategies to insurance and budgeting, The Retirement Group can help you evaluate how these changes may impact your future. Before open enrollment ends, call The Retirement Group at (800) 900-5867 to review retirement planning options and strategies to help navigate rising health care costs.

Featured Video

Articles you may find interesting:

Sources:

- 1. Ortaliza, Jared, Matt McGough, Kaitlyn Vu, Imani Telesford, Shameek Rakshit, Emma Wager, and Lynne Cotter. “ Individual Market Insurers Requesting Largest Premium Increases in More Than 5 Years .” KFF/Peterson-KFF Health System Tracker, 18 July 2025.
2. Buettgens, Matthew, et al. “ 4.8 Million People Will Lose Coverage in 2026 If Enhanced Premium Tax Credits Expire .” Urban Institute, Sept. 2025, pp. 1, 5-6, 12-13.
3. Umland, Beth, and Sunit Patel. “ Employers Prepare for the Highest Health Benefit Cost Increase in 15 Years .” Mercer, 3 Sept. 2025.
4. Center on Budget and Policy Priorities. ' Five Key Changes to ACA Marketplaces Amid Uncertainty Over Premium Tax Credit Enhancements ,' by Jennifer Sullivan and Nicole Rapfogel. Sep. 22, 2025.
5. abc News. ' ACA policyholders say soaring health insurance premiums are jeopardizing lives ,' by Mary Kekatos and Bill Hutchinson. Sep. 7, 2025.

What is the 401(k) plan offered by Jones Lang LaSalle?

The 401(k) plan at Jones Lang LaSalle is a retirement savings plan that allows employees to save a portion of their salary on a pre-tax basis, helping them build a nest egg for retirement.

Does Jones Lang LaSalle match employee contributions to the 401(k) plan?

Yes, Jones Lang LaSalle offers a matching contribution to the 401(k) plan, which helps employees maximize their retirement savings.

How can employees at Jones Lang LaSalle enroll in the 401(k) plan?

Employees can enroll in the 401(k) plan at Jones Lang LaSalle by accessing the benefits portal or contacting the HR department for assistance.

What types of investment options are available in the Jones Lang LaSalle 401(k) plan?

The Jones Lang LaSalle 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and company stock.

When can employees at Jones Lang LaSalle start contributing to their 401(k) plan?

Employees at Jones Lang LaSalle can typically start contributing to their 401(k) plan after completing their initial eligibility period, which is outlined in the employee handbook.

Is there a vesting schedule for the employer match in the Jones Lang LaSalle 401(k) plan?

Yes, Jones Lang LaSalle has a vesting schedule for the employer match, which means employees must work for a certain period to fully own the matched contributions.

Can employees take loans against their 401(k) savings at Jones Lang LaSalle?

Yes, employees can take loans against their 401(k) savings at Jones Lang LaSalle, subject to specific terms and conditions outlined in the plan documents.

What happens to the 401(k) plan if an employee leaves Jones Lang LaSalle?

If an employee leaves Jones Lang LaSalle, they have several options for their 401(k) plan, including rolling it over to an IRA or a new employer's plan, or cashing it out.

How often can employees change their contribution rate to the Jones Lang LaSalle 401(k) plan?

Employees at Jones Lang LaSalle can change their contribution rate to the 401(k) plan at designated times throughout the year, as specified in the plan guidelines.

Are there any fees associated with the 401(k) plan at Jones Lang LaSalle?

Yes, there may be fees associated with the 401(k) plan at Jones Lang LaSalle, which are disclosed in the plan documents and can vary based on investment choices.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Plan Name: Jones Lang LaSalle Employee Pension Plan Years of Service and Age Qualification: Employees typically need to complete a minimum number of years of service to qualify for the pension plan. The specific requirements can vary based on the plan’s terms. Pension Formula: The pension formula used by Jones Lang LaSalle is based on factors such as years of service, salary history, and age at retirement. The exact formula can be found in the pension plan documentation. Qualification for 401(k) Plan: Eligibility for the 401(k) plan generally includes all full-time employees who meet certain service and age requirements. 401(k) Plan Name: Jones Lang LaSalle 401(k) Plan

Layoffs and Restructuring: In early 2023, Jones Lang LaSalle (JLL) announced a significant restructuring plan, including the reduction of around 5% of its global workforce. This move was attributed to the company's strategy to streamline operations and adapt to changing market conditions. The reduction affects various departments, particularly those in support functions. It’s important to follow this news given the current economic climate, as companies are reassessing their structures amid economic uncertainty and shifting investment priorities. Understanding these changes can provide insights into broader market trends and potential impacts on employee benefits and job security. Changes to Benefits and Retirement Plans: In mid-2023, JLL also updated its employee benefits, including modifications to its pension and 401(k) plans. The company reduced its matching contributions to 401(k) plans and revised its pension plan options to align with its new business strategy and cost management efforts. These changes come as part of JLL's broader efforts to optimize financial performance amid fluctuating economic conditions. Monitoring these adjustments is crucial as they reflect broader trends in corporate benefits adjustments, influenced by tax and investment factors, and can impact employee retirement planning and financial security.

Stock Options: Jones Lang LaSalle (JLL) offered stock options primarily to senior executives and high-level employees in 2022. The company used stock options to align executives' interests with shareholders' interests. JLL’s stock options were generally tied to performance metrics and long-term strategic goals. RSUs: In 2022, Restricted Stock Units (RSUs) at Jones Lang LaSalle (JLL) were granted to employees across various levels, including middle management and above. RSUs served as a retention tool and were often granted based on performance evaluations and tenure. JLL utilized RSUs to provide employees with ownership stakes in the company, typically vesting over a period of time.

Health Benefits Information: JLL provides a comprehensive benefits package, including medical, dental, and vision coverage. They also offer health savings accounts (HSAs) and flexible spending accounts (FSAs). Specific details for 2022-2024 can be found in the benefits section of their career page or employee handbook, though exact details may vary based on location and employment status. Acronyms and Terms: HSAs (Health Savings Accounts), FSAs (Flexible Spending Accounts), PPO (Preferred Provider Organization), HMO (Health Maintenance Organization).