What impacts health insurance costs – why you’re paying more

The growing demand for health care and rising costs — especially for prescription drugs and hospital services — are challenging doctors, patients, health plans, businesses and the entire health care system. The result of these challenges are higher out-of-pocket costs and higher premiums nationwide. Local health care leaders are already working and collaborating to make care more affordable and accessible – trying to improve outcomes for everyone.  

From doctors and hospitals to employers and insurers – every part of the health care system plays a role. But who decides what you pay?

Rising costs continue to apply pressure to small business and we remain committed to offering support through collaboration and partnership. Value-added resources are available to help small businesses find meaningful ways to improve quality of care while managing costs for employees: www.univeraforbusiness.com

*Sources: https://www.aha.org/system/files/media/file/2025/04/The-Cost-of-Caring-April-2025.pdf
https://www.kff.org/health-costs/health-policy-101-health-care-costs-and-affordability/?entry=table-of-contents-what-factors-contribute-to-u-s-health-care-spending
https://guidehouse.com/insights/healthcare/2023/2024-health-system-digital-and-it-investments
** Sources: https://pmc.ncbi.nlm.nih.gov/articles/PMC10678302/
https://academic.oup.com/ajhp/article/82/14/806/8117945
Data regarding specialty medications represents commercial claims data for the health plan from January 2024 through June 2025.
Specialty drugs treat conditions such as cancer, multiple sclerosis and rheumatoid arthritis.