10/07/2026
What’s really driving health care premiums higher? Two new national studies point to the same conclusion: rising premiums are largely the result of rising health care costs, particularly hospital and prescription drug spending, not increasing insurer margins.
CAHP’s latest fact sheet highlights findings from recent Health Affairs/CMS and JAMA Health Forum research showing that underlying health care spending accounted for 91% of premium growth between 2011 and 2024, while insurer markups declined over the same period.
The research reinforces an important affordability lesson: to slow premium growth, policymakers must address the underlying cost drivers in the health care system.
Read the fact sheet: https://tinyurl.com/3p6jmr3z