Articles on trend rate.

Your 2026 health benefits renewal is up 11%. Here's where the money is leaking — and the one structural lever that still works.

Mid-market self-funded plans are getting renewal letters with 9–13% increases this year. Stop-loss premiums, specialty pharmacy, and high-cost claimants are doing most of the damage. Here's a CFO-grade breakdown of where the 11% comes from, the four levers HR teams are pulling in response, and why onsite primary care is the only one that compounds.