Rockwell Employees: Expect Rising Health Insurance Costs in 2026

Healthcare Provider Update: Healthcare Provider for Rockwell Medical Rockwell Medical, known for its innovative medical treatments, primarily operates within the healthcare sector focused on renal disease and has strategic partnerships with various healthcare networks and specialty pharmacies to provide its therapies. Specific information on a single, definitive healthcare provider affiliated with Rockwell Medical is not typically disclosed, as their products may be distributed across multiple platforms depending on regional healthcare systems. Healthcare Cost Increases for 2026 In 2026, healthcare costs for many consumers are projected to rise significantly due to a combination of factors, including the anticipated expiration of enhanced federal subsidies which could lead to premium increases of 75% or more for nearly all Affordable Care Act (ACA) marketplace enrollees. Leading insurers are requesting considerable rate hikes, with some states experiencing increases exceeding 60%. As medical costs continue to escalate driven by inflation, labor shortages, and heightened demand for services, individuals and families may face unprecedented out-of-pocket expenses, prompting urgent action to manage healthcare budgets effectively. Click here to learn more

'Rising health care costs underscore the importance for Rockwell employees to regularly review their benefits and long-term financial strategy,' says Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

'With health care expenses climbing faster than wages, Rockwell employees should proactively evaluate their coverage options to help protect their long-term financial well-being,' says Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

1. Why health insurance costs may rise in 2026.

2. What changes could impact Affordable Care Act and employer plans.

3. How to review your options during open enrollment.

Health insurance expenses may soon climb even higher for millions of households, including those of Rockwell employees. Some people have even received advance notice of increases through 2026, adding to concerns that affordable insurance options are becoming more limited.

If you are one of the approximately 24 million Americans enrolled in an ACA marketplace plan, ¹  be aware that significant shifts could occur soon. If enhanced ACA premium tax credits expire after 2025, the average family premium could rise 114%, jumping from $888 in 2025 to $1,904 in 2026. ¹

Rising expenses are also impacting those covered through employer plans, including employees at Rockwell. Surveys indicate that employer-sponsored health insurance costs are estimated to go up by 6% to 9% in 2026—the biggest increase in more than 15 years. ²  As companies continue shifting more of these expenses to workers, payroll deductions and out-of-pocket costs are on the rise. Health care cost growth is even outpacing wage growth, ³  adding pressure on family budgets.

Why Are Prices Increasing?

Many factors contribute to the upward trend, ³  including:

• - A surge in medical visits delayed during the pandemic

• - The growing number of older Americans requiring ongoing care

• - Continued high incidence of chronic illnesses such as diabetes and heart disease

• - Shortages and rising labor costs in the health care workforce

• - Higher demand for services combined with fewer workers

• Competitive differences across regions also influence costs—some markets have many insurance options, while others have only one or two participating carriers.

What to Do During Open Enrollment

• Review your current health care usage. If you typically use fewer services, a high-deductible plan paired with a Health Savings Account might lower monthly premiums and offer certain tax advantages.

• Plan ahead for anticipated medical needs. If you expect more care next year, a plan with higher monthly payments but lower deductibles may help spread costs more evenly.

• Explore additional coverage options. Depending on eligibility, Medicaid, CHIP, or catastrophic plans may help if employer or marketplace premiums increase sharply.

• Stay flexible while enrollment is open. You can modify your plan through the end of open enrollment if your situation or subsidy rules change.

The Bigger Picture

Health care decisions are playing a larger role in long-term planning for Rockwell households. Rising medical costs can influence both current spending and future retirement readiness.

At The Retirement Group, we assist individuals in planning for health care costs both before and after retirement. To talk about available plan types and tax-advantaged options as open enrollment approaches, call (800) 900-5867.

Want Assistance Reviewing Your Options?

Health plan decisions affect more than just next year—they may also shape your future income expectations, especially if you’re planning to leave Rockwell in the near future.

You don’t need to navigate this alone. Before open enrollment deadlines end, The Retirement Group can help you examine your health care strategy alongside your retirement plan.

Want Assistance Reviewing Your Options?

Health plan decisions affect more than just next year—they may also shape your future retirement income needs, especially for those leaving Rockwell in the coming years.

You don’t need to sort through this alone. Before open enrollment deadlines end,  The Retirement Group  can help you assess your health care strategy and retirement plan.
Call  (800) 900-5867  to get started.

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Sources:

1. Lo, Justin, and Larry Levitt.  Early Indications of the Impact of the Enhanced Premium Tax Credit Expiration on 2026 Marketplace Premiums . Kaiser Family Foundation, Sept. 2025,  www.kff.org/affordable-care-act/aca-marketplace-premium-payments-would-more-than-double-on-average-next-year-if-enhanced-premium-tax-credits-expire .

2. Mercer Insights Team. “Employers Prepare for the Highest Health Benefit Cost Increase in 15 Years.”  Mercer , 3 Sept. 2025,  www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years

3. “Why Are Healthcare Costs Rising?”  Marsh McLennan Agency , 5 Sept. 2025,  www.marshmma.com/us/insights/details/rising-health-care-costs.html .

4. “Five Key Changes to ACA Marketplaces Amid Uncertainty Over Premium Tax Credits.”  Center on Budget and Policy Priorities , 2025,  www.cbpp.org/research/health/five-key-changes-to-aca-marketplaces-amid-uncertainty-over-premium-tax-credit .

5. Health Care Workforce Shortages. NIHCM Foundation, 4 Mar. 2025, nihcm.org/newsletter/rising-healthcare-workforce-shortage.