The 2 factors driving your health care costs higher and higher

Health insurance premiums for 2026 are on the rise. It’s that time of year again: open enrollment. With it comes a lot of questions: Do I go with an HMO or a PPO? Do I need an FSA or an HSA? What’s my deductible again?  It’s very confusing, but one thing is clear: The cost of your health insurance is likely going up. Premiums are growing whether you get your insurance through work, the Affordable Care Act marketplaces, or Medicare. Of course, medical insurance has been getting more expensive for years, but KFF chief Washington correspondent Julie Rovner told me the problem is now get