2026 brings fresh limits, rising premiums, and opportunities to take your benefits to New Heights with RMC Group.
The Buzz of a New Era
Taylor Swift just announced her 12th studio album, The Life of a Showgirl, ushering in what fans are calling her next great “era.” New sounds, bold visuals, and a fresh creative direction have Swifties counting down the days.
While you may not be dropping a chart-topping pop record in 2026, your business could be entering its own “new era”—especially when it comes to employee health benefits. And, just like Taylor is reinventing her sound, you may have to reinvent your employee health benefit plan to adjust to major shifts in coverage limits, premium costs, and plan designs that are expected in 2026.
What’s Changing in 2026
Much like a world tour with new stage designs and surprise guest appearances, the employee benefits world is seeing its own evolution:
- Higher Contribution Limits: Federal inflation adjustments will allow employers to contribute more pre-tax dollars toward certain benefits, creating room for more creative plan structures.
- Double-Digit Premium Increases: Industry analysts are forecasting some of the sharpest premium hikes in recent years, with medical costs projected to grow faster than wages.
- Expanded Coverage Expectations: Employees now expect plans that include robust mental health services, telehealth access, and preventive care—especially in competitive hiring markets.
- Shift Toward Predictable Costs: Businesses are exploring benefit designs with capped out-of-pocket costs, ensuring employees can budget for care without financial surprises.
Taking Your Benefits to ‘New Heights’
Just like a successful album launch requires careful planning, a great benefits strategy means balancing creativity with financial reality. RMC Group helps you navigate these changes without missing a beat:
- Cost Strategy – We review your current plan and explore options to help offset rising premiums, including innovative cost-sharing structures and alternative funding models.
- Plan Customization – From traditional health plans to modern designs that remove copays for key services, we build solutions tailored to the needs of your workforce.
- Enhanced Employee Experience – We provide communication, technology, and education tools so employees understand and value their benefits, helping you retain top talent.
- Flexible Enrollment Solutions – We offer options that make it easier for employees to choose and use their benefits, improving satisfaction and engagement.
Why Now Is the Perfect Time to Plan
Taylor didn’t wake up one morning and decide to drop TS12—her team spent months perfecting every lyric, visual, and marketing move. Likewise, your 2026 benefits strategy should be in the works now to ensure you’re ready before higher premiums and new limits take effect.
Whether it’s the excitement of a world tour or the relief of a well-designed benefits package, new eras bring new opportunities. RMC Group can help you take your employee health benefits to New Heights—without missing a beat.
📩 Contact us today to start designing your next era in benefits.
