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"For 2025, the Individual and Group segments experienced declines in both membership and profitability, with the Individual segment suffering a larger financial impact," according to MFA's "Year-Over-Year Health Insurance Segment Profitability Trends" report.

"Our findings suggest that many workers simply do not have the financial cushion to absorb today's health care costs," said Bridget Bearden, director of member growth and partnerships at EBRI.

Regulators will hold off from punishing employers that made a reasonable effort to follow the rules.

Reimbursement rules and site-of-care rules are the obvious places to look for savings, a plan analysis firm says.

Although more than 8 in 10 say they would stay with their organization because of culture, 37% also say they are not receiving meaningful recognition from their managers.

Capping commercial hospital payments at twice Medicare rates could substantially reduce employer health care costs while cutting more than $1 trillion from national health spending over a decade.