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Rules Governing Human Oversight of AI in Health Care Could Shape Public Trust
New regulations and guidelines for the use of AI in health care have sought to answer questions about human oversight and accountability. Separately, a new HHS initiative aims to expand research into potential vaccine injuries, but some medical organizations have questioned how the efforts may be perceived.
Medicaid Work Rules Don’t Apply to Native Americans. They Could Still Lose Coverage.
Work requirements don’t apply to tribal citizens. But federal health officials provided limited guidance on how states should check eligibility. “I’m extremely nervous,” a North Carolina tribal healthcare administrator said.
Fed Up With the Healthcare Industry, This Red State Capped Insulin Prices for Patients
Republicans and Democrats in North Dakota worked together to limit what people with diabetes have to pay for insulin, joining a growing bipartisan push across the country to protect patients.
Health insurance premiums increase as Affordable Care Act open enrollment underway in Wisconsin
Estimates from KFF find premiums for Affordable Care Act health plans are expected to jump by 13 percent next year. A health care navigator and the head of a program that helps people find insurance explain what residents should expect.
What Does Democratic Control of Congress Mean for Global Health?
This policy watch examines what the 2026 Midterm Election results and Democratic control of Congress might mean for global health.
The Ultimate Adulting Task: Signing Up for Health Insurance
Buying health insurance can be overwhelming, but there are people who can help you figure it out — free of charge. HealthQ sits in as one 22-year-old speaks with an “independent assister.”
When a Gun Owner Shows Early Signs of Dementia
Public health experts are finding ways to encourage firearm safety practices for older adults who own guns, especially when there are indications of cognitive decline.
Potential impacts Democratic health care proposals on employer-sponsored health care
Summary: Democratic state and federal wins in the midterm elections could lead to Medicaid expansion in some states, and focuses attention on the House Democrats’ memo on health care priorities in the new Congress. Few of these proposals are likely to become law before 2029, but they could form the foundation for Democratic health care reform efforts after the 2028 Presidential election. Portion of total newly eligible for Medicaid if non-expansion states expanded Source: Cervantes, S et al How Many Uninsured Are in the Coverage Gap and How Many Could be Eligible if All States Adopted the Medicaid Expansion? KFF, July 27, 2026 It’s been almost a week since the midterm elections, and the Democrats will have large majorities in both the House of Representatives and the Senate, although not large enough to overcome Senate filibusters or Presidential vetoes. I reviewed some of what I thought these midterm results could mean in a post last week. In retrospect, I might have understated the elections’ impact on health care due to changes in governorship and majorities in many state legislatures. A Democratic trifecta (governorship and both houses) could mean expansion of Medicaid in Wisconsin, and a Democratic governor and House in Texas and Georgia could increase pressure in both states to expand Medicaid. That’s especially important, because Texas currently represents almost half of those who would be newly eligible for insurance from Medicaid expansions. Medicaid expansions matter to employers because they have been shown to decrease the risk of closure of rural hospitals and support workers’ ability to stay employed and productive. The House Democrats’ Cost of Living Healthcare Working Group published an 84-page memo in September with recommendations for the first hundred hours, the first hundred days, and the first year. The midterm results make this document more important. Here’s a review of what some of these recommendations could mean for employer-sponsored health insurance. Elements that could lower employer health care spending Restore the expanded advance premium tax credit for ACA plans. This could bring healthier enrollees back to the marketplace plans, which would improve the risk status of these plans and decrease the rate of uninsurance. Fewer people with insurance puts higher pressures on provider rates of employer plans. More stable ACA plans could encourage employers to consider transitioning from employer-sponsored plans to ICHRA/Choice, providing a fund for employers to purchase their own insurance on an exchange. Repeal Medicaid work requirements and other administrative rules of the One Big Beautiful Bill Act which as written will lead to a large increase in the uninsured rate. Fewer people with insurance leads to more pressures from hospitals for commercial rate increases. Extend Inflation Reduction Act negotiated drug prices to commercial health plans. These are now only applicable to Medicare Parts D (outpatient drugs) and B (drugs administered by providers. The Medicare negotiated prices are lower than net prices negotiated by PBMs. Hospital price limits. Some of the Democratic House proposals would institute site neutral payment and limit outlier hospital prices to 200% of Medicare. The average commercial health plan pays about 247% Medicare rates for inpatient hospital care, and many commercial health plans currently pay over 300% of Medicare for hospital services. PBM regulations. The proposals would mandate more transparency and prevent PBMs from paying subsidiaries more than market rates. Antitrust enforcement. The plan would break up vertically integrated health care monopolies which could lower prices through competition. Ban on non-compete contractual clauses could increase competition by increasing flexibility and supply of clinicians, although it could also increase physician leverage and lead to higher wages which could raise prices. Lower the Medicare eligibility age, which could take older, more expensive, workers off employer sponsored plans. Create a Medi-Kids plan to insure all children and potentially young adults up to age 26. These plan members have low non-preventive utilization and cost less per person than older plan members, but removing children from employer plans would decrease volatility because a few children have very high medical costs. Elements that could increase employer spending (in many instances for high value services) Mandate three primary care and three mental health visits without cost sharing Eliminate cost sharing for mental health care and substance use care during pregnancy and in the year after delivery Require coverage of infertility services Cap cost sharing for insulin, epipen and respiratory inhalers Count copay coupons and assistance toward member deductibles and cost sharing Cap total health care costs (premium and out-of-pocket costs) at 8% of household income Leave a comment Elements that could improve the market Increased price transparency Tightening enforcement of short-term plans, fixed indemnity plans, and cost-sharing ministries. These skimpy health plans skim off healthier people, leaving sicker people on marketplace exchanges and employer-sponsored health plans. Here’s a past post on the perils of cheap insurance. Most of these proposals are likely not to become law in the next two years, but could form the foundation of a Democratic proposal for health care reform in 2029 and beyond. The document does not provide cost estimates for these proposals. Share Thanks for reading! If you found this useful, please share, subscribe, like, and restack. You can find previous posts at this link. Views expressed in Employer Coverage are purely my own. Thanks for reading Employer Coverage ! Subscribe for free to receive new posts and support my work. Subscribe
Orchard’s First Fruit
Well, well, well - ask and ye shall receive. From a few weeks ago: I don’t see anything distinct for Orchard customers yet, so either they’re not live or not distinguished as easily as Garden Plot Eight days later, my wish was granted! Epic’s public FHIR endpoint directory added an organization called Enterprise Orchard Shared Services (Epic org ID 38769) managing an endpoint named “PA Health Center Technology Alliance,” along with 36 facilities under the same brand: The Alliance’s main office 18 Union Community Care sites 11 Delaware Valley Community Health sites Six Community Health and Dental Care sites Off to the races we go! As far as I can tell, no trade publication or Epic has covered this yet - the only public traces I see are a PACHC annual report plus a few patient FAQ pages. I’m not sure why - I think it deserves way more attention! We learn who’s actually buying (and it isn’t who Epic pitched at UGM) We get yet another entry in Epic’s playbook for reaching the low end of the market We get a census of who Epic is coming for next Grab a basket and let’s start picking. An Unexpected Harvest When Epic announced Orchard at UGM 2025, the pitch was a dedicated instance for practices of 80 to 180 providers while keeping the prewired third party applications that make Garden Plot appealing. But the first customer to surface is not that profile at all! Instead, we see something entirely different and arguably more valuable to Epic. The Alliance is a subsidiary of the Pennsylvania Association of Community Health Centers (PACHC). As I wasn’t totally familiar myself, let’s add some quick background for readers who operate outside the safety net: Federally qualified health centers (FQHCs) are community clinics funded under Section 330 of the Public Health Service Act t They serve patients regardless of ability to pay, which results in a payer mix heavy on Medicaid / the uninsured As you might expect, this often results in margins too thin to fund an enterprise EHR on their own (especially in the current very tough funding environment) Every state has a primary care association (PCA), funded in part by HRSA, that supports its FQHCs with advocacy and shared services PCAs have historically been trade associations, so this move is notable in that PACHC is morphing itself into something closer to a holding company. In October 2024, its board voted to form the Alliance to contract directly with Epic and run a statewide technology hub for health centers of any size. A second subsidiary, the Pennsylvania Community Care Collaborative (PC3), is a clinically integrated network of 28 health centers built for value-based contracting. CEO Shelley Riser runs both PACHC and the Alliance and calls the arrangement a “family of companies.” From the latest annual report: PACHC is the only Primary Care Association in the nation with a wholly owned subsidiary directly contracting with Epic. Why does this matter way more to Epic than a single 120-provider group ever could? One contract may only bring in three health centers and 35 sites on day one, but every other PACHC member sits in the pipeline. Moreover, the distributor is an organization those health centers already trust, funded to serve them and literally governed by a board of their own CEOs. And if that wasn’t enough, every state has one! Grafting onto the Safety Net
New survey shows average annual family health coverage is up 9%
Millions of Americans who get health insurance through their employers are facing higher costs this year, according to new survey data from KFF.
Texas Democrats Swept Statewide Races. Now Comes the Hard Part of Solving Healthcare Angst.
The blue wave in the state on Nov. 3 now runs headlong into the reality of Texas politics and a compressed legislative calendar.
KFF Monitor provides ongoing, current data on U.S. vaccine attitudes and knowledge
Explore KFF's ongoing polls and dashboards tracking U.S. vaccine attitudes, safety concerns, public trust, misinformation and health information.
KFF Analyzes the Role of Health Care in the Midterms
The midterm elections mean changing power dynamics and shifting legislative agendas in Congress, both next year and during the upcoming lame duck session—the period between the November election and the new session beginning in January. As policymakers consider next steps, new KFF polling analysis examines the role health care played in voters’ decisions. Key Takeaways […]
Health: How Can Congress Combat The Rising Cost Of Healthcare?
The cost of most necessities is rising right now. And healthcare is no exception.In 2026, the average employer-based family healthcare plan cost a little over $28,000. And employees contributed over $7,400 more to those plans than in 2025. That’s according to analysis from the health research group KFF.And the nearly 20 million Americans who rely on the Affordable Care Act for health insurance are facing a 13 percent premium increase next year.Two days out from the midterm elections, what can Congress do to keep healthcare affordable in the United States?Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.
Second year funding delayed for Rural Health Transformation Program
According to a report from KFF Health News, state leaders received an email on Oct. 30 alerting them to the second-year funding announcement delay.
1115 Waiver Watch: A Look at Budget Neutrality Policy Changes
This brief discusses key Medicaid policy changes included in CMS budget neutrality guidance and identifies open questions about how the policy changes may be clarified and how they may affect states with existing 1115 waivers or states interested in applying for new ones.
Trump Administration Delays Awards Slated To Improve Rural America’s Health
State leaders who scrambled to win and begin spending their first-year shares of Republicans’ five-year, $50 billion fund are in the dark about how much they’ll receive in the Rural Health Transformation Program’s second year after a federal office notified states that more time is needed to make allocations.
Midterm Voters Split on Abortion and Trans Healthcare Ballot Questions
The nationwide blue wave in the midterm election didn’t necessarily carry over to ballot measures on abortion and transgender issues.
Health Care in the 2026 Midterm Election
This dashboard focuses on KFF’s analysis of the role health care costs and other health policy issues played in voters’ decisions in the 2026 midterm elections, including in key Senate races. It examines the role of rising health costs on voters’ decisions, views on the Trump administration’s health care policies, and opinions on the government’s role in health care amid discussions of Medicare for All.
Healthcare costs helped Democrats win big in the midterms
Democrats now control the House and Senate, with major ambitions for healthcare reform. KFF Health News’ Julie Rovner explains how high costs, abortion ballot measures and Abdul El-Sayed’s Michigan win could shape the healthcare debate next year.
Midterm Voters Give Democrats a Big Advantage to Handle Health Care
KFF's analysis of the 2026 Voter Poll by SSRS shows midterm voters gave Democrats a 19-percentage-point advantage on which party is better able to handle health care.
IVF Patients, Doctors Navigate Fetal Personhood Laws’ Unknowns
People trying to start families and clinics trying to help them have been left confused and worried since the Supreme Court overturned Roe v. Wade, triggering fetal personhood laws in several states.
Expecting a Baby? Five Tips To Help You Prepare for Pregnancy Costs
The cost of having a baby is frustratingly difficult to predict. The actual amount families pay varies widely. Here are five tips to help you prepare for the often-unexpected costs of pregnancy and giving birth.
A Few Miles From the US Capitol, Dozens Slept in Their Cars, Waiting for Free Care
If you’ve heard about how people are struggling with affording healthcare but haven’t been touched by it or seen it, then this pop-up clinic just outside Washington, D.C., put the problem on full display.
Court Decision Eases Burden of Proof to Qualify for Medical Frailty Exclusion to Medicaid Work Requirements
A district court's Oct. 29 ruling, if it holds, will ease somewhat the administrative burden associated with implementing the medical frailty exclusion by reducing the complexity of the verification process, likely leading to fewer people losing Medicaid coverage for paperwork reasons.
Are Employer Health Costs Out of Control?
In a new column, President and CEO Dr. Drew Altman dissects the conventional wisdom that employer health costs are “out of control.” He writes that “the story this year is not about out-of-control employer health costs—they were moderate—or of a collapsing employer-based insurance system, although it certainly has many problems, including being propped up by a $470 billion annual tax subsidy. Instead, the story this year seems to be a conspicuous shift of premium costs to workers despite a moderate overall premium increase.”
A GOP Congressman Backed Medicaid Work Requirements. His Voters Might Be Exempt.
A California congressman voted for the GOP’s One Big Beautiful Bill, which is projected to reduce Medicaid spending by $900 billion. Now Rep. David Valadao, whose House race will help decide control of Congress, is telling his constituents they may not have to follow the new rules.
Georgia Helped Inspire the Medicaid Work Rules. Its Own Rules Could Soon End.
For years, Georgia was the only state to require some Medicaid enrollees to work to obtain and keep coverage. Those rules could expire just as the federal Medicaid work requirements they helped inspire roll out across most of the country.
Savannah Guthrie makes devastating plea to public 9 months after mom’s disappearance: ‘Please help us’
Savannah Guthrie shared a heartbreaking piece of art from her young daughter that struck an emotional chord 9 months after her mother Nancy’s disappearance.
Why 2026 Is a Health Care Election
_Ypsilanti, Michigan_THE MIDTERM ELECTION IS ABOUT a lot of things: gas prices and groceries, the spread of corruption, and the future of democracy. And yet, as much as any single issue, it’s about health care. You can tell by listening to all the Democrats talking about high deductibles, drug costs, and insurance companies as they campaign around the country. Or you can tell by reading all the public-opinion surveys in which voters consistently rank health care as one of their top concerns. But if you really want to know why this is a health care election, your best source isn’t the politicians or the pollsters. It’s the people on the front lines. One of them is Raymond Rion, a family medicine physician and executive director of Packard Health, a small network of clinics spanning Ann Arbor and Ypsilanti on the western outskirts of the Detroit metro area. Packard is what’s known as a Federally Qualified Health Center, where anybody can get care regardless of income or insurance status. And like similar safety-net providers all over America, for the past decade it has benefited directly from the Affordable Care Act. “We almost went bankrupt in 2011,” Rion told me in a conversation last week, recalling how in the old days staff at Packard would work the phones furiously to get supplies and find specialists who would take referrals. Now many more patients have either Medicaid or private coverage they’ve purchased through HealthCare.gov, the online marketplace that the law created, so that the proportion of uninsured patients has fallen from around one in three to one in ten. It’s a lot easier to find referrals for these insured patients, though thanks to the infusion of paying customers Packard can do much more on its own. In particular, Rion said, the organization has opened two new branches, started a pharmacy, begun offering prenatal services, and vastly expanded behavioral health care by bringing on a half-dozen new doctors, nurses, and case workers. Now a retrenchment is underway. Coverage options on the HealthCare.gov marketplace got more expensive because Donald Trump and the Republicans refused to renew temporary subsidies that had been reducing the price of insurance. On top of that, the first cuts to Medicaid as part of last year’s “One Big Beautiful Bill” are starting to take effect. Rion told me Packard has already laid off a provider in anticipation of less revenue next year.1 Patient volume is down, he went on to explain, in part because uninsured patients sometimes avoid care altogether out of fear a single visit will lead to more treatments with more bills. And postponing care in that way can have serious medical consequences, as his colleague Ron Romero told me. “So you have somebody with diabetes, their chronic condition isn’t getting cared for,” said Romero, who like Rion is a family physician. “Their sugars rise, and they end up having other medical problems. Their kidneys start to get damaged. They start to have eye damage. They increase risk for heart attacks and strokes. . . . They end up in the emergency room.” And things are likely to get worse. Partly that’s because next year most of the remaining Medicaid cuts will take full effect, throwing more people off coverage. And partly it’s because forces that have nothing to do with Trump or Republican actions are making medical care more expensive for everyone, including those with employer insurance and Medicare. That will lead to still more people delaying or skipping care, ending up in the emergency rooms, and putting yet more cost pressure on providers. Rion wasn’t taking a position on the election or political parties, he made clear. He was just describing the reality he sees around him: “The whole system is being pressured. Nobody is immune to this stuff.” He’s right. And here’s the thing: This has all happened before. We know happens next.
Health insurance plan costs on Healthcare.gov to rise by double digits in 2027
Obamacare enrollees could see their health insurance premiums rise by double digits for a second year in a row, according to a report published Friday. Health research group KFF found the average c…
Implementation of Immigrant Eligibility Restrictions for ACA Marketplace Subsidies Under the 2025 Reconciliation Law: Issues to Consider
Beginning January 1, 2027, the 2025 reconciliation law will limit immigrant eligibility for ACA Marketplace subsidies. This brief provides an overview of implementation of the immigrant eligibility changes for Marketplace subsidies and issues to consider for affected individuals and states.
9 Things to Watch for the 2027 ACA Open Enrollment Period
The ACA Marketplace Open Enrollment season begins November 1, bringing higher out-of-pocket premium payments, new eligibility requirements for certain groups, and state efforts to offset premium increases following the expiration of enhanced premium tax credits. Read our analysis of what these and other changes could mean for enrollees.
With Midterms Looming, Americans Feel Priced Out of Healthcare
Get our weekly newsletter, The Week in Brief, featuring a roundup of our original coverage, Fridays at 2 p.m. ET.
Frights, Fangs, and Healthcare Nightmares in Winning Halloween Haikus
This year’s winning Halloween haikus take on measles, the high cost of dental care, and AI-powered insurance denials.
For Californians Drowning in Healthcare Costs, Governor’s Race Offers Few Answers
In California, healthcare costs are rising faster than income and inflation, and 4 in 10 adults in the state say they’re paying down medical debt. With the governor’s race in full swing, it’s still not clear what the candidates would do to fix it.
What to know about US health insurance policies ahead of Wisconsin 2026 election
Throughout the country, citizens are voting for legislators on the local and federal level, and for many, healthcare costs are a big concern, according to KFF Health News. Healthcare costs in the United States are under the system of insurance, according to La Follette School of Public Affairs lecturer Kathleen Doherty. Understanding how insurance works...
The cost of healthcare is hitting America where it hurts: The wallet
This article first appeared on KFF Health News and is republished here with permission. Bill McAdams, a 45-year-old travel nurse from Holiday, Florida, was uninsured last year when he experienced a stroke. He hadn’t been able to afford his agency’s health plan, which would have cost $3,600 monthly to cover him and his wife. The […]
The Campaign To Defend Trans Healthcare in Missouri Is Slow Going, on Purpose
The campaign to defend access to transgender healthcare for young people in Missouri is taking an unhurried approach to talking with voters about how the ban on midterm ballots would play out.
National Academy of Medicine’s 2026 Annual Meeting (Scientific Symposium on Chronic Disease)
KFF Founding President and CEO Dr. Drew Altman delivered the Victor J. Dzau Keynote Address at the National Academy of Medicine’s 2026 Annual Meeting (Scientific Symposium on Chronic Disease) on October 10, 2026, where he described the big challenges ahead in health policy, and where chronic illness fits.
Hospital Beds for the Nation’s Sickest Kids Are Disappearing
Hospitals nationwide are cutting intensive services for kids in critical care. Many cite too few patients, staffing shortages, and money problems. As a result, kids who need lifesaving care must travel farther. Pediatricians expect more cutbacks in the wake of federal Medicaid cuts.
Midterm Election Update: Immigrant Health Policy
Immigration restrictions and enforcement are central to the Trump administration’s domestic agenda and a focus of debate in the 2026 midterm elections. These policies have ripple effects on health care: immigration-related fears are leading some immigrant families to avoid medical care and drop coverage, including for U.S. citizen children, and visa restrictions could strain a health care workforce that relies on immigrants. Federal law has also narrowed eligibility for health coverage among lawfully present immigrants, and states are responding in different ways.
Remember This Acronym Next Time You’re Facing a Big Medical Decision: B.R.A.I.N.
If your doctor recommends a big test or procedure, this tool can help you talk through options collaboratively. It works at a routine checkup or in high-stakes medical situations like childbirth.
Survey: More Than Half of Women in States with Abortion Bans Wouldn’t Know Where to Get an Abortion if They Needed One, Up Since 2024
More than half (53%) of reproductive-age women living in states with abortion-provision bans say they would not know where to go or where to find information if they needed an abortion, up from 43% in 2024, according to a new KFF survey.
What Do the Midterm Election Results Mean for Health Care?
On November 5 at Noon ET, join KFF for a special post-election discussion and live podcast taping on these topics and more. KFF experts and journalists will provide analysis and insights about what the election results could mean for health policy and take audience questions. Part of the discussion will focus on public opinion survey data on how voters weighed health care as they went to the polls nationally and in the four states with abortion-related ballot initiatives.
The Cost of Healthcare Is Hitting America Where It Hurts: The Wallet
Rising healthcare costs are upending the lives of Americans. People are forgoing health insurance, rationing medications, cutting back on doctor visits, and putting off health procedures they can’t afford. But bringing the costs down won’t be easy.
Many Medicare Patients Could Lose Access to Remote Monitoring Devices
A proposed federal rule could dramatically reduce access to remote patient monitoring programs for people on Medicare. The services aim to keep patients out of the hospital by giving them devices to monitor their health at home, but critics say there isn’t enough oversight.
Survey reports rising cost of employer-sponsored health insurance
Employer health insurance premiums and deductibles rose again in 2026, according to a new survey from KFF.
No injuries reported in Grand Junction pet care business fire
No people or pets were hurt after a fire this afternoon at Puppy Love Grooming on North Avenue, according to the Grand Junction Fire Department.
Family health insurance premiums hit $28,000 in 2026 as employee costs spike 9%, KFF report shows
The government is limiting who can get access to health insurance while Americans push for more comprehensive coverage.
Stories to cover as insurance costs continue to outpace wages, inflation
This year, U.S. workers are once again facing rising health insurance costs, continuing a trend that has persisted for decades, according to KFF’s 2026 Employer Health Benefits Survey, published yesterday, Oct. 22.
Republicans Bet Anti-Fraud Message Can Sway Voters Angry Over Health Costs
Get our weekly newsletter, The Week in Brief, featuring a roundup of our original coverage, Fridays at 2 p.m. ET.
Digging Into the Money Behind the US Healthcare System
Healthcare makes up a growing share of the U.S. economy — and household budgets. We break down how much money the nation is spending and on what.
Premiums for Employer-Sponsored Family Health Coverage Top $28,000 in 2026
Workers are paying on average $7,471 annually toward the premiums for employer-sponsored family health benefits this year, which is up 9%, or $621, from 2025, according to KFF’s annual benchmark health benefits survey of large and small employers.
Cost of employer-sponsored health insurance plans rises again, nonpartisan survey finds
The price health insurance companies charge for employer-sponsored plans increased again this year, as did the deductible many people must pay before those plans begin covering most healthcare costs, according to a survey released Thursday by the nonpartisan health organization KFF.
Health insurance costs continue rising for American workers, new survey finds
new KFF survey found that Americans with employer-sponsored health insurance are paying more for coverage in 2026, with workers at small businesses facing the steepest increases.
National bus tour brings healthcare affordability fight to Michigan
A new poll from the health policy research organization KFF found more than six in 10 Americans are worried about affording healthcare. The issue took center stage in Kalamazoo this week as the advocacy group Protect Our Care brought its national "Sick of It! Fix Health Care Now" bus tour to the city.
Here's why a family health insurance plan costs more than $28,000
The average family health insurance plan offered through an employer cost $28,303 this year, an increase of 5% from a year ago, according to KFF.
Job-Based Health Plan Costs Rise, With Little Relief in Sight
Employers saw their healthcare premiums rise 5% this year — and some passed on that burden to workers — as the cost of family coverage in job-based insurance exceeds $28,000 for family plans.
Workers Now Pay $7,471 on Average Annually for Family Health Coverage, Up 9% or $621 from 2025, Benchmark Employer Health Benefits Survey Finds
Workers are paying on average$7,471 annually toward the premiums for employer-sponsored family health benefits this year, which is up 9%, or $621, from 2025, per KFF’s annual benchmark health benefits survey of large and small employers. The burden of family premiums hits particularly hard for workers at small firms with less than 200 workers.
Trump Dangles Rural Health Dollars To Push States To Change Hospital Laws
The Trump administration has tied billions in rural health funding for states partly to the policy commitments they make, including ending their certificate of need, or CON, laws governing the construction of new hospitals.
Workers are paying 9% more for family health coverage this year, a higher jump than in the recent past
A KFF survey finds that rising healthcare costs are squeezing both employers and workers.
Midterm Election Update: Medicaid Changes
Major federal changes to Medicaid eligibility and financing from the 2025 reconciliation law are coming, including new work requirements that will affect millions of Medicaid enrollees. KFF’s fact sheet provides an overview of what has changed, what is still ahead, and what the public thinks about Medicaid heading into the midterms.
New Arrivals in the ER? Georgia Gears Up To Solve Rural Maternal Health Crisis
Most of Georgia’s counties are without a labor and delivery unit. To fill the gap, the state is looking to equip emergency rooms to handle obstetric emergencies. Advocates and doctors worry, however, that the ER is being used as a stopgap.
States Are Forcing Hospitals To Offer More People Financial Aid. In Oregon, It’s Working.
Oregon passed a law to require hospitals to proactively screen patients to see if they qualify for financial aid. Patients got immediate relief. Hospitals pushed to roll back the law following federal cuts to Medicaid and Affordable Care Act subsidies.
Trump to rally in North Carolina, even as GOP pulls its money
Michael Whatley, the state’s Republican Senate candidate, owes his nomination to Trump; the president continues to invest time, if not cash, on his behalf.
KFF Tracking Poll on Health Information and Trust: Fall 2026 Update on Vaccine Views
The latest KFF Tracking Poll on Health Information and Trust finds about half of parents mistakenly believe spacing out vaccines is healthier for children, while confidence in many long-standing childhood vaccines is high across partisans. These findings take on new relevance following President Trump's recent executive order calling for changes in U.S. childhood vaccine recommendations, including splitting the measles, mumps, and rubella (MMR) vaccine—currently given as a single combined shot—into three separate vaccines across multiple visits.
Democrats Demand Tougher Standards for Companies Running Medicaid Systems
A year after launching an inquiry into companies, including Deloitte, that receive billions in taxpayer dollars to build complex computer systems determining Medicaid eligibility, senators are urging the federal government to impose stricter rules.
GOP Focuses on Fraud, Seeking To Redirect Voters’ Ire Over Healthcare Costs
The anti-fraud efforts highlight a broader political fight ahead of the midterms. Republicans say they’re protecting taxpayer dollars by going after bad actors. Democrats contend the administration is — with insufficient evidence — targeting blue states to cut programs the GOP has long sought to shrink.
Readers Are Pleading To Make American Healthcare Greater
KFF Health News gives readers a chance to comment on a recent batch of stories.
Four Red Flags and One Truth Amid the Peptide Hype
Experimental peptides are all the rage on longevity and “optimization” podcasts, but a lot of the chatter is misleading.
Can AI solve our mental health access problem?
Last week I asked you what worries you most about AI in health. It was close, but your top answer was “AI giving bad health advice.” Last week’s poll results: You’re in good company. This concern was top of mind at a conference I joined at Stanford last week, where researchers, clinicians, and people who build AI systems spent a day debating trust and safety in health AI. Stepping back, I’m also hearing your emerging concerns about AI’s impact on our well-being generally. I see this as a matter of public health, and we’ll take it in pieces as we learn together. Today we’ll focus on AI chatbots used for therapy for mental health. Early this month, Governor Newsom vetoed Senate Bill 903, California’s most ambitious attempt to regulate AI use for mental health. It’s at the center of active debate, and raises the questions patients, family members, citizens, and voters will face as AI moves deeper into health care. Let’s work through it. What is “AI-based therapy”? It’s really two things: purpose-built mental health apps designed to deliver structured support, and general chatbots like ChatGPT, Claude, and Gemini that people increasingly use for emotional support—even if they weren’t built for it. Spoiler alert: I don’t know whether the shift toward AI therapy is good or bad. The evidence isn’t there yet. But I do know it’s already happening, and I have some ideas about how we can roll it out with safety in mind. The therapy dilemma, in a nutshell Mental health challenges are common, and strain health and well-being across populations. Therapy (interactive dialogue with a trained, empathetic practitioner) helps many people heal. The demand for licensed therapists far exceeds the supply in California, and AI-based therapy can narrow that gap. AI-based therapy remains novel, unproven, and not well tested. Right off the bat, we can see we’re dealing with trade-offs here. Since the main driver of demand for therapy from a robot is lack of access to therapy from a human, we’ll start there. It’s too hard to find and afford a human therapist California is short roughly 55,000 licensed, non-prescribing therapists and counselors, about 40% of what we need. Psychiatrists, who rely on talk therapy as a complement to prescribed medications, are even more scarce. Eight counties have none, and density ranges from 1.7 per 100,000 residents in San Benito County, to 68.1 in Marin County. My wife is a psychiatrist in Marin, and even here access is tight. If it’s hard in the best-supplied county, imagine rural Sierra County, or the San Joaquin Valley. In 2024, more than half of Californians who tried to make a mental health appointment struggled to find a provider who took their insurance, compared with 14% for physical health care. When Senate staff posed as “secret shopper” patients and called 120 mental health providers in Medicare Advantage networks, they landed an appointment less than once for every five tries. Insurers pay behavioral health clinicians about 22% less than medical and surgical clinicians for comparable office visits. On top of that, billing denials and prior authorizations hit hardest at the solo and small practices common in mental health. Psychiatrists opt out of Medicare at the highest rate of any specialty. In many places, a cash practice for therapy fills quickly with patients paying $250 or more an hour, with no insurance paperwork at all. Families who can pay cash find providers more easily. Those who rely on insurance, including Medi-Cal enrollees, older adults, rural residents, and non-English speakers, compete for what’s left. So we can’t pretend the human system works, and we can’t blame people for turning to AI for support when they’re in distress. AI is filling the gap It’s estimated that roughly a quarter of AI users use it for mental health support. If you have internet, it’s available 24/7, it’s cheap, and it speaks your language. Uninsured adults are about twice as likely as insured adults to do it (30% vs. 14%). It feels anonymous in ways that may enable people to ask things they’re unsure or embarrassed about. The largely hidden, personal use makes it hard to study whether it’s actually helping people with their mental health issues, but researchers are trying. Does AI therapy work? A 2026 analysis of nearly 40 randomized trials found chatbots showed a real but small reduction in depression symptoms. But most of these trials were compared to an alternative of no therapy, not a human therapist. So the benefit of AI therapy is probably real, but modest, and mostly untested against the alternative of human contact. We need more studies. Serious concerns OpenAI’s own estimate is that more than a million ChatGPT users each week show signs of suicidal planning or intent. These are high stakes encounters, and AI doesn’t always get it right. That’s partly because a chatbot can sound like a therapist, but it has no license, no duty of care, and it’s not clear who to hold accountable when it gets things wrong. AI is also designed to help users in whatever task they’re seeking to accomplish. People may feel like they’re getting therapy, but they’re mainly getting a convincing conversation. It’s easy for an AI companion to wander into gray areas, like playing along with “creative writing” that may be about the user’s own suicidal intent. Courts are driving safety conversations A wave of lawsuits have been filed on behalf of families claiming that chatbots pushed people they loved toward self-harm, including teens who died by suicide. The first settlements came this year. OpenAI is headquartered in San Francisco, and dozens of cases alleging that ChatGPT drove users to suicide or self-harm are now before a San Francisco judge. Character.ai has filed for bankruptcy after several states brought lawsuits accusing the chatbot of pushing dangerous content to kids. But the technology seems to be improving. Last month, an independent evaluation found that newer AI models “almost never endorse suicide.” That’s progress, but our societal appetite for even one preventable death is very low. So how do we move forward? Finding a middle ground Earlier this month the governor vetoed Senate Bill 903, a bill designed to place guardrails on the use of AI for therapy. The bill would have prohibited any AI-based platform from being advertised as psychotherapy, and would have required a licensed professional to review and approve each encounter where AI was used to support therapeutic decisions. Newsom called it overly broad, since even routine screening questions would have needed clinician sign-off. Knowing we’re already short on mental health providers, requiring human review of AI encounters may not relieve our access problems. Still, the answer isn’t no oversight. Here’s one feasible short term solution. Rather than reviewing each encounter, a licensed clinician can design the guardrails: what counts as a crisis, what triggers an immediate handoff to a human, and what gets sampled for audit each month. The AI runs inside that structure. Conversations get checked, failures get reported, and a real clinician owns the framework. Medicine already has models to learn from. The FDA process for rolling out newly approved medications is an example. After a product reaches patients, we keep watching for adverse events. Patient-facing AI needs the same “digital pharmacovigilance”: systematic tracking of harms, near misses, and the types of groups that get hurt and why. It’s also critical that users know that they can reach a human if they’re in crisis. Most chatbots now include messages like these: Bottom line The rush to use unproven AI tools for mental health support is mostly a workaround, a sign of a health system people can’t get into. We need better access to proven care from licensed clinicians. That takes reimbursement that makes accepting insurance viable, and a bigger workforce. But, built and tested well, AI could be part of the answer. It could be the 2 a.m. check-in when no one else is awake, or a way for patients to practice skills their therapist taught them. It could be the first step to get someone the right level of care, and take paperwork off clinicians’ plates so they spend more time with patients. None of this is simple. The SB 903 veto doesn’t end the debate, and the legislature will be back. In the meantime, those of us using these tools need to stay informed, ask hard questions, and hold the companies building them accountable. I’ll try to do my part, and we’ll keep learning together. Love,Matt P.S. If you or someone you know is struggling with mental health challenges, emotional distress, substance use problems, or just needs to talk, call or text 988- you’ll reach a real person— or chat at 988lifeline.org 24/7. Dr. Matt Willis is the author of Your Local Epidemiologist in California. A California native, he’s served as a primary care physician, CDC epidemiologist, and public health officer for Marin County, where he guided the pandemic response. He lives in Marin with his family and their dogs, Teddy and Ramona. Thank you Cynthia He, MD, PhD, and Parnika Saxena, MD, for their guidance in preparing this article. Cynthia works in an outpatient mental health clinic, treating patients who have Medi-Cal or, sometimes, no insurance. Parnika works in an inpatient psychiatric unit, treating patients with public or private insurance or self-pay ability. All opinions are their own and do not represent their employers.
Green Card Processing Backlogs for Refugees and Asylees Could Have Implications for Health Coverage and Care
This data note highlights changes in green card (I-485) application processing for refugees and asylees between fiscal year (FY) 2021 and FY2025, as well as across the first three quarters of FY2025 to FY2026 (since FY2026 data are only available through the third quarter). It discusses the implications of these trends for access to federally funded health coverage following eligibility changes under the 2025 reconciliation law.
7 Takeaways From an Investigation Into Financial Aid at Texas Hospitals
Hospitals can prevent medical debt by preemptively wiping out a patient’s bill. But a Tradeoffs analysis finds that few nonprofit facilities in Texas use this tool to the maximum benefit of patients.
Obamacare enrollment fell to 20.5 million people as of June, KFF says
NEW YORK, Oct 14 (Reuters) - Affordable Care Act enrollment fell by 18% to 20.5 million members in June, according to health policy research firm KFF, marking the steepest annual decline since 2015 ...
California’s Billionaire Tax Promises Healthcare Relief. The Fine Print Is Murkier.
An initiative on the California ballot would levy the nation’s first wealth tax on billionaires. Supporters say the proceeds would help offset President Donald Trump’s sweeping healthcare cuts. But critics argue that the temporary infusion of cash is a giveaway to politicians.
Aging Life Care Managers Can Be a ‘Godsend’ for Families
These service providers, formerly known as geriatric care managers, can arrange a move to a senior living facility, deal with Medicare and Medicaid, recommend doctors, drive a client to the dentist, and much more.
GOP Focuses on Fraud, Seeking To Redirect Voters’ Ire Over Healthcare Costs
By Stephanie Armour | KFF Health News Heading into the midterm elections, high healthcare costs rank among voters’ biggest concerns. But lately, there’s a twist giving the issue new momentum on campaign agendas: a focus on fraud in government health programs. The administration of President Donald ...
The Sometimes-Awkward Art of Asking for a Second Opinion
A doctor has recommended a course of action that is invasive, expensive, or somehow different from what you'd prefer. Is it OK to get a second opinion? The answer is yes. Here’s how to make the ask a little less awkward.
HHS’s Elimination of Disparate Impact to Determine Discrimination: Potential Implications for Health and Health Care
This brief provides background on Title VI, summarizes the key changes in the 2026 final rule, and discusses the potential implications for racial and ethnic health disparities.
Trump bucks and the politics of mailing checks
The checks started going out last week, nearly one million of them, and mostly to battleground states. With a return address for the U.S. Treasury and a letter enclosed signed by President Donald Trump, these one-time checks for $500 were ostensibly government rebates for Obamacare enrollees who overpaid. In the accompanying letter, however, Trump attacks his predecessor and talks about his record in office on an important issue he’s not polling well on, which makes it seem more like the most expensive political mailer in U.S. history. The average piece of direct mail costs between 30 cents and $3, according to Mail Processing Associates, a print, mail, and fulfillment company. At $500 a pop plus roughly 50 cents each to issue the paper check, the cost of Trump’s healthcare mailer sent to more than 950,000 enrollees comes in at more than $475 million. Trump’s midterm healthcare message “For years, the Biden Administration overcharged you to fund the operation of HealthCare dot gov,” Trump wrote in the letter. “That money belongs to hard-working Americans, not the Government, and now, I am returning it to you!” In the letter, Trump makes false and misleading claims about his administration’s record on healthcare costs, an issue Democrats have a 20 point advantage on over Republicans, according to a recent poll from KFF, a nonpartisan health policy think tank. Trump touts his administration’s TrumpRX program, which he claims is “delivering massive discounts.” However, new research from KFF found that of a selection of drugs available on the TrumpRX platform, just five were the lowest price, while 13 were the highest price. Trump also falsely claims in the letter that he’s fighting to lower healthcare costs. In reality, average monthly premium payment costs for enrollees rose 58% under Trump while marketplace sign-ups declined 5%, per KFF. Under Trump’s One Big Beautiful Bill Act, it’s estimated 10 million more Americans will be uninsured by 2034. You get a check and you get a check and you get a check Trump’s long promised cash outs to his fans, from his days as a casino operator and gameshow host to his presidency. During the early days of the COVID-19 pandemic in 2020, the first Trump administration made the unprecedented move to put Trump’s name on checks that went out under the CARES Act (notably the $500 refund checks this time around don’t feature Trump’s name). Ever since, Trump’s been chasing that high. In his second term, Trump’s promised more stimulus that never arrived, like refund checks from DOGE cuts and tariffs, while he said at his party’s convention last month that he’d give out $5,000 checks to everyone if Republicans win in November. In reality, DOGE overstated its cost cutting and Trump’s government actually now spends more than former President Joe Biden’s, while Trump’s tariffs actually grew the trade deficit. His proposal for $5,000 checks would add about $1.2 trillion to the national debt. The problem is there’s no money to give. These $500 checks — plus $90 Medicare rebate checks also going out as well as $250 deposited this week in some Trump Accounts for kids courtesy Dell Technologies CEO Michael Dell and his wife Susan — represent the closest Trump’s going to get to making good on his promise to deliver cash fast. And the checks seem especially targeted. Though the $500 checks went out to enrollees in one of 30 states that use the federal HealthCare dot gov marketplace, a Reuters review found 71% of the payments, or $339 million, went to enrollees in 13 states that have the most competitive elections for governor and U.S. Senate. Most Americans don’t buy it Could Trump bucks sway the election? An Economist-YouGov poll found 57% of U.S. adults doubt Trump will deliver on his promise for $5,000 checks, compared to 21% who do. “I’m waiting on my DOGE check and I’m still waiting on my tariff check,” one 2024 Trump voter who’s since turned on him told a recent focus group. “It felt like kind of trying to buy people’s votes, which honestly felt like in elementary when the class president was like, hey we’re going to take you to the water park if you vote for me. It’s like, I don’t think it works like that.” But for voters in swing states who got a check, it could still matter. One survey published in 2022 found receiving a physically personalized check in the mail during the pandemic was associated with a much greater self-reported likelihood of voting for Trump in 2020, and those gains mainly came from out partisans. The issue for Trump comes if these checks are mostly going to Obamacare enrollees whose premiums have gone up by more than just $500 since he took office and who view the money as something like a bribe before the election rather than an actual long-term solution to lowering household costs. Spending $500.50 per mailer would be absurd as a normal campaign expenditure, but since Trump’s checks and letter are a government rebate, his campaign and super PAC didn’t have to spend a dime and he got out his message regardless. If enough voters in key states are swayed by the one-time payment, it could prove to be the best $0 the Trump campaign spent. 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‘Medicare for All’ message attracts voters buckling under medical bills
Support for Medicare for All is at its highest in at least a decade, according to a new KFF poll. The survey found two-thirds of Americans now favor expanding the government health program that largely covers seniors (about half of whom are enrolled in private plans through Medicare Advantage).
AI in Health Care Moves Toward More Autonomous Roles
Federal health agencies are testing AI applications that move into patient care typically handled by physicians. And recent research suggests people may place more trust in conversational AI, while false claims attributed to authoritative sources can increase willingness to share them.
‘Medicare for All’ Is Back. Now Comes the Hard Part.
At a time when more than 100 million Americans carry medical debt, it’s easy to get behind a promise of free, or free-ish, no-hassle health care. But turning an inspirational slogan into law gets gnarly.
KFF Midterms Data Presentation: What Do Voters Think About Health Care Now?
Join KFF for a virtual event at Noon ET on Wednesday, October 14, featuring KFF public opinion and survey experts who will provide analysis and insights on the latest findings from recent public opinion surveys about health care issues in advance of the midterms, including current public sentiment about Medicare-for-All and how it compares historically. After the presentation, experts will take questions from attendees.
'Medicare for All' message attracts midterm voters buckling under medical bills
Midterm candidates are talking up Medicare for All, and in a poll 2 out of 3 Americans said they support it. The phrase speaks to a desire for radical change, though many don't really know what it is.
Food Aid Enrollment Tanks After SNAP Rule Changes
It’s been more than a year since President Donald Trump signed the One Big Beautiful Bill Act, and SNAP enrollment is down more than 20% in Louisiana. Anti-hunger groups say far more people could lose access if states are required to cover more of the food program’s cost.
‘Medicare for All’ Message Attracts Voters Buckling Under Medical Bills
The idea of scrapping the U.S. health insurance system for a massive expansion of government-funded healthcare isn’t new. But voters hit by ballooning private health insurance costs are rallying behind midterm candidates calling for universal coverage.
KFF Health Tracking Poll: Health Care Issues in the Lead-Up to the 2026 Midterm Election
Affordability worries continue to top the public’s list of midterm election issues, with health care and gas costs tying as the top economic concern, finds KFF’s new Health Tracking Poll conducted on the SSRS Opinion Panel. Overall, voters trust Democrats more than Republicans to handle health care costs and the cost of living. A quarter...
Midterm Election Update: Vaccines
Federal vaccine policy has shifted toward fewer recommended routine childhood vaccinations, more emphasis on individual decision-making, and greater skepticism about the safety and efficacy of some vaccines. The changes coincide with declining childhood vaccination rates, rising exemptions from school vaccine requirements, and a major measles resurgence.
Medicare-for-all support is rising, KFF poll finds
The survey also found that the public’s views of a national health plan are highly malleable.
Patient Dies By Suicide After 'Insurance Issue' Delayed Medicine For Lung Disease Flare-Ups
By Lauren Sausser and KFF Health News HealthDay ReportersTUESDAY, Oct. 6, 2026 (HealthDay News) — Kenney Blewett was diagnosed with lung disease more than a decade ago but started experiencing flare-ups this year that made him feel like he couldn’t breathe. Blewett, of Kyle, Texas, described those ...
Before Saying Yes to the Medical Test, Know the Risks and Benefits
Tests like full-body scans marketed directly to consumers are pitched as a way to detect diseases early and establish a baseline of health markers. But there are financial, physical, and psychological risks to all medical tests — and in some cases, not getting a test could be better for your health.
Voters Trust Democrats On Healthcare Costs By Wide Margin Over GOP
By a margin of nearly two-to-one, voters trust Democrats over Republicans when it comes to the issue of healthcare costs, a new KFF poll shows.
KFF Health Tracking Poll: Health Care Issues in the Lead-Up to the 2026 Midterm Election
With the 2026 midterms about a month away, health care costs remain tied with gas as voters’ top midterm concerns and the Democrats hold a clear edge over the Republicans Party on who voters trust to handle many top electoral issues, including the cost of health care and the cost of living. Two-thirds of U.S. adults now favor Medicare-for-all, a new high in KFF Polling, but support shifts when competing claims from critics and proponents are heard.
Poll: Cost of Health Care and Gas Top Voters' Midterm Concerns; Democrats Hold Significant Advantage on Health Care Costs and Cost of Living
Just a month away from the midterm elections, affordability worries continue to top the public’s list of midterm election issues, with health care costs and gas costs tying as the top economic concern, KFF’s new Health Tracking Poll finds. Voters overall trust Democrats more than Republicans to handle the cost of health care and the cost of living.
Current and Historical Public Opinion on Medicare-for-All and Other National Health Plan Proposals
This chart pack summarizes KFF polling data on public opinion on Medicare-for-all and other national health plan proposals. The latest update finds that two-thirds of the public supports Medicare-for-all, while support changes drastically as respondents hear arguments from proponents and critics.
Is This A Healthcare Economy?
This analysis examines recent jobs growth in health care and how it compares to the rest of the economy. Health care employment has grown faster than other sectors of the economy, with jobs in physician offices, hospitals, outpatient care centers, home health, and other settings increasing over the past year even as the rest of the job market plateaued.
Rural and Urban Health Center Patients and Financing
This brief reports on rural and urban health center patients and financing in 2025 using national data from the Uniform Data System (UDS) and examines potential impacts of recent federal policy changes.
Doctors Should Keep an Eye on Your Mix of Medication. If They Don’t, You Should.
By Paula Span | KFF Health News Medications can snowball as we age. Pill organizers pile up. Prescriptions that are no longer necessary can mix with other drugs to create concerning side effects. “Once you get to six or seven prescription medications, you get a nearly 100% chance of some sort of ...