The top market for "cash-for-coverage" plans may be employers that already offer health benefits, according to a new EBRI survey report.

New laws restrict automated insurance decisions and AI-provided therapy, with several major requirements taking effect in 2027.

"Hospitals are facing a host of serious financial headwinds, which for some will have existential implications," said Katherine Hempstead, senior policy advisor at the Robert Wood Johnson Foundation.

Inflation, layoffs and public health emergencies have made it tough for many households to stay on top of their bills in recent years.