This voice experience is generated by AI. Learn more. This voice experience is generated by AI. Learn more. Small businesses struggle with high health insurance costs, often resulting in less coverage or higher employee payments compared to large firms.

Healthcare costs are a major concern for Americans, and health insurance premiums are a primary fuel for that anxiety. Shrinking federal subsidies for Affordable Care Act plans led to large premium increases for millions of Americans in 2025,

There are several factors consumers must consider during open enrollment, such as choice, cost and savings options.

Breadth of health plans (10% of score): Health insurance companies may offer up to four types of plan benefit designs (PPO, HMO, EPO and POS). We gave companies that offered more types of plans more points.

Health insurance costs are rising fast, making comparison shopping more important this year, experts said. Here's how.

From checking in-network doctors to weighing high deductible plans and HSA benefits, here's what to know before open enrollment closes Dec. 15.