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The State of Health Insurance Coverage in 2026

This brief presents findings from the Commonwealth Fund Biennial Health Insurance Survey to describe the state of Americans’ health insurance coverage in 2026.

commonwealthfund.org logo
Oct 21 • 8:00 PM EDT • Health • commonwealthfund.org
CT launches health insurance subsidy for child care workers

Connecticut officials on Wednesday announced that eligible staff in the early childhood sector can now apply for a subsidy toward health insurance plan premiums, a benefit connected to the ambitious […]

hartfordbusiness.com logo
Oct 22 • 6:36 AM EDT • Health • hartfordbusiness.com
Some Olathe retirees frustrated after health insurance premiums rise again for 2027

These concerns first surfaced last fall when retirees learned their city health insurance premium costs were going up by 500% to 900% for 2026.

kshb.com logo
Oct 20 • 6:51 PM EDT • Health • kshb.com
Local health insurance broker highlights changes coming to Medicare, healthcare policies in 2027

As over a million Coloradans review their healthcare plans for Medicare’s open enrollment period — running from Oct. 15 to Dec. 7 — a local health insurance broker is preparing

littletonindependent.net logo
Oct 16 • 11:42 AM EDT • Health • littletonindependent.net
Zurich names North America energy leaders

Zurich North America on Tuesday announced four executive appointments within its U.S. energy business.

businessinsurance.com logo
Oct 20 • 12:48 PM EDT • Business • businessinsurance.com
Surest shares tips to better understand your health insurance benefits
cbsaustin.com logo
Oct 20 • 11:56 AM EDT • Health • cbsaustin.com
Nancy Wyman remembered as Connecticut political pioneer

"Do you want to tell the story of why there are still millions of people in this country who have insurance?" asked U.S. Sen. Chris Murphy. "That story runs through Nancy Wyman."

ctinsider.com logo
Oct 20 • 7:19 PM EDT • Politics • ctinsider.com
☹️ Negative (-11%)
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100%
Former 49ers RB Joins Philadelphia Eagles as Saquon Barkley Insurance

Former San Francisco 49ers running back Elijah Mitchell is getting another opportunity in Philadelphia amid injuries to Saquon Barkley and several Eagles backups. The post Former 49ers RB Joins Philadelphia Eagles as Saquon Barkley Insurance appeared first on HEAVY.

sports.yahoo.com logo
Oct 20 • 8:00 PM EDT • Sports • sports.yahoo.com
29,000 Granite Staters Could Lose Their Health Coverage, New Study Says

A new study by the NH Fiscal Policy Institute indicates from 23,000 to 29,000 New Hampshire residents will lose their Medicaid health insurance coverage by 2028 under new federal and state regulations and requirements set to begin Jan. 1.

indepthnh.org logo
Oct 20 • 9:15 AM EDT • Health • indepthnh.org
GE Stock Slides Despite Higher Guidance As Costs Rise, Insurance Business Swings To A Loss: CEO Says Company Continues To 'Build Momentum'

GE Aerospace reported third-quarter EPS of $2.25 and revenue of $13.3 billion, beating Wall Street’s estimates.

finance.yahoo.com logo
Oct 20 • 8:20 AM EDT • Business • finance.yahoo.com
OCPS rejects compromise on teacher health insurance ahead of school board hearing

The local teachers union accepted the compromise recommendations made by a special magistrate late last week. Both sides will share their views about teacher health insurance costs and salaries at Wednesday’s hearing, scheduled to…

orlandosentinel.com logo
Oct 20 • 5:22 PM EDT • Health • orlandosentinel.com
After federal cuts, Spanberger mounts health insurance enrollment push with new state subsidies

The state estimates that up to 200,000 Virginians may be eligible for savings averaging $65 to $90 per person each month.

whro.org logo
Oct 21 • 4:38 PM EDT • Health • whro.org
Oregon city workers strike for fair pay, affordable health insurance

AFSCME members who keep Corvallis, Oregon, running are approaching the second week of their strike after city management walked out of contract talks.

afscme.org logo
Oct 21 • 2:54 PM EDT • Health • afscme.org
Munich Re expands CEO Blunck’s leadership role

Germany-based Munich Reinsurance Company has appointed Thomas Blunck to lead its property and casualty reinsurance business in Europe and Latin America, effective Nov. 1, while retaining his role as…

businessinsurance.com logo
Oct 22 • 10:19 AM EDT • Business • businessinsurance.com
Berkshire Hathaway Specialty launches in Poland

U.S.-based Berkshire Hathaway Specialty Insurance Company has entered the Polish market, Coverager reported. The company offers a wide range of commercial insurance across Central and Eastern Europe…

businessinsurance.com logo
Oct 20 • 10:19 AM EDT • Business • businessinsurance.com
BUTCH’S BLOG: Unhealthy Health Care

Unhealthy Health Care Lately I’ve had to deal with some health problems—skin carcinomas to be precise. Too much sunning in my youth on the waves and beaches of New Jersey. My mother used to slather us with Coppertone. Wear hats, I say. And use that high SPF sunscreen. But for me, the horse is already way out of the barn. I’ve had two surgeries now, painful, but successful, one more to go. But I’m not here to whine. I’m lucky. I will survive. And, importantly, I have health insurance. Many are not so lucky. When the bill came from the clinic,...

tillamookcountypioneer.net logo
Oct 18 • 4:47 PM EDT • Health • tillamookcountypioneer.net
North Dakota approves health insurance rate increases for 2027 ACA plans

The North Dakota Insurance Department has approved average rate increases for 2027 Affordable Care Act plans.

kfyrtv.com logo
Oct 19 • 11:53 AM EDT • Health • kfyrtv.com
Risk management summit, Innovation Challenge scheduled in Iowa City next week

The University of Iowa is hosting the second annual Risk Management and Insurance Strategic Collaborators (RISC) Summit and Innovation Challenge is scheduled for Oct. 28-29 in Iowa City. RISC is a national consortium of higher education institutions, including the Vaughan Institute at University of Iowa, committed to advancing innovation and addressing challenges facing the risk…

businessrecord.com logo
Oct 21 • 5:28 PM EDT • Business • businessrecord.com
Payson woman fights for coverage after health plan drops her provider, leaving her with $13K bill

Consumers have some protections when their insurance drops coverage during treatment.

ksl.com logo
Oct 19 • 11:03 PM EDT • Health • ksl.com
Voter guide: What to know about candidates for Kansas insurance commissioner

House Speaker Dan Hawkins and Senate Minority Leader Dinah Sykes are running alongside Libertarian nominee Ric Koehn.

kansas.com logo
Oct 19 • 3:15 AM EDT • Politics • kansas.com
Health insurance gaps leave families struggling with costs, survey finds

A new survey finds that even people who have health insurance are increasingly underinsured.

ktre.com logo
Oct 22 • 11:27 AM EDT • Health • ktre.com
OCPS delays health insurance decision amid legal threats from unions

With a potential legal liability looming over the School Board, it ended with a unanimous vote to postpone a hearing until Nov. 13.

cfpublic.org logo
Oct 22 • 12:47 AM EDT • Health • cfpublic.org
Hundreds of Mainers lost their health insurance due to Medicaid eligibility changes

The federal government will no longer reimburse states for Medicaid coverage provided to lawful noncitizens

wmtw.com logo
Oct 20 • 6:16 PM EDT • Health • wmtw.com
Experian Health Acquires eInsights, Expanding Insurance Discovery to Help Healthcare Organizations Recover Missed Reimbursements

COSTA MESA, Calif., October 20, 2026--Experian today announced its acquisition of eInsights, a healthcare technology company.

finance.yahoo.com logo
Oct 20 • 8:55 AM EDT • Health • finance.yahoo.com
Inc. Names Counterpart a 2026 Power Partner for Supporting Small Businesses

Counterpart, the AI-native insurance platform providing management and professional liability solutions to small businesses, has been named a 2026 Inc. Power...

businesswire.com logo
Oct 20 • 7:00 AM EDT • Business • businesswire.com
Employers Face Double-Digit Increases In Health Insurance Rates

Increases could force many employers to reduce worker benefits.

civilbeat.org logo
Oct 19 • 6:01 AM EDT • Health • civilbeat.org
Local Coca-Cola workers strike over low wages, increased health insurance costs
wjactv.com logo
Oct 20 • 7:00 PM EDT • Health • wjactv.com
Leaders of Influence - Insurance 2026

Meet the 18 honorees of OCBJ’s 2026 Leaders of Influence: Insurance, the Orange County professionals guiding risk management and employee benefits.

ocbj.com logo
Oct 19 • 4:04 AM EDT • Business • ocbj.com
Health insurance gaps leave families struggling with costs, survey finds

A new survey from GoodRx finds that even people who have health insurance are increasingly underinsured.

wafb.com logo
Oct 22 • 11:24 AM EDT • Health • wafb.com
Former campaign worker says she fended off advance by future NC insurance chief

The woman told FBI agents she quit Mike Causey’s campaign after he kissed her without provocation.

newsobserver.com logo
Oct 20 • 5:30 AM EDT • Politics • newsobserver.com
Cost of employer-sponsored health insurance plans rises again, nonpartisan survey finds

The price health insurance companies charge for employer-sponsored plans increased again this year, as did the deductible many people must pay before those plans begin covering most healthcare costs, according to a survey released Thursday by the nonpartisan health organization KFF.

kcrg.com logo
Oct 22 • 3:18 PM EDT • Health • kcrg.com
Prediction markets are now ‘bespoke insurance’ for businesses, and a Los Angeles restaurant group’s $60,000 hedge on Kalshi is the latest example

One unnamed hospitality group placed a $60,000 trade on Kalshi to offset revenue losses from the Dodgers’ World Series miss, according to the platform.

fortune.com logo
Oct 19 • 4:41 PM EDT • Business • fortune.com
Travelers earnings rise as commercial insurance pricing stabilizes

Travelers reported higher third-quarter earnings Friday as commercial insurance pricing stayed largely stable and investment income rose.

businessinsurance.com logo
Oct 16 • 11:39 AM EDT • Business • businessinsurance.com
Why Insured Workers Still Skip Healthcare

Employers know exactly what their health plan costs. What they usually don’t know is what it costs them when an employee needs care and doesn’t get it

pymnts.com logo
Oct 19 • 4:00 AM EDT • Health • pymnts.com
Healthcare, small business advocates urge reversing healthcare cuts, boost Democrats

Advocates called on Congress to restore Medicaid and Affordable Care Act insurance premium subsidies and criticized Republicans.

wisconsinexaminer.com logo
Oct 21 • 8:08 PM EDT • Business • wisconsinexaminer.com
Job-Based Health Plan Costs Rise, With Little Relief in Sight

Employers saw their healthcare premiums rise 5% this year — and some passed on that burden to workers — as the cost of family coverage in job-based insurance exceeds $28,000 for family plans.

kffhealthnews.org logo
Oct 22 • 5:01 AM EDT • Health • kffhealthnews.org
Hartford promotes construction leaders

The Hartford on Thursday named John Watts head of risk management construction and Joshua Janes head of guaranteed cost construction.

businessinsurance.com logo
Oct 23 • 10:17 AM EDT • Business • businessinsurance.com
😐 Neutral (16%)
Get Covered Illinois offering health coverage to 9,300 residents affected by Medicaid cuts

Approximately 9,300 Illinois residents who lost Medicaid coverage due to the One Big Beautiful Bill Act can now enroll in health insurance plans through Get Covered Illinois until December 31, 2026…

mystateline.com logo
Oct 19 • 9:42 AM EDT • Health • mystateline.com
The percentage of people without health insurance is growing

The percentage of working-age adults without health insurance has increased in the past two years, largely because many people can no longer afford Obamacare coverage after Congress allowed federal subsidies to expire at the end of last year. The uninsured rate for adults ages 19-64 rose to 11.2% this year, up from 8.9% in 2024, […]

stateline.org logo
Oct 22 • 6:07 PM EDT • Health • stateline.org
Twenty Hours a Week at an Amazon Warehouse for Health Insurance at 60? Here Is the Math a Retired Paralegal Will Run

A 60-year-old paralegal with $350,000 saved and five years until Medicare faces a decision that could quietly reshape her entire retirement, and the answer turns on a warehouse job that pays less than half what she used to earn.

247wallst.com logo
Oct 17 • 1:22 PM EDT • Health • 247wallst.com
Orange County Public Schools rejects salary and health insurance recommendations

OCPS said declining enrollment and what it described as insufficient state funding have put additional pressure on its budget

wftv.com logo
Oct 20 • 4:01 PM EDT • Health • wftv.com
Small businesses are getting clobbered by health insurance costs

Health insurance costs have risen for small business workers, who face higher family coverage costs and fewer plan choices than larger firms.

businessinsider.com logo
Oct 22 • 3:24 PM EDT • Health • businessinsider.com
🙂 Positive (50%)
The Medical Inflation Trap: Rethinking Private Health Insurance in Southeast Asia

Rising healthcare expenditure is challenging the affordability and sustainability of private health insurance across Southeast Asia. Premium adjustments and cost-sharing may help control financi...

cureus.com logo
Oct 18 • 8:00 PM EDT • Health • cureus.com
GRCA’s launches new member-exclusive health insurance program

From Greater Reading Chamber Alliance Reading, PA – The Greater Reading Chamber Alliance (GRCA) is excited to announce a new member-exclusive health and benefits program in partnership with Pennsylvania Chamber […]

bctv.org logo
Oct 19 • 5:28 AM EDT • Health • bctv.org
🙂 Positive (50%)
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Senior Health Insurance Program navigators available to help during Medicare open enrollment

Chrissy Childers is the lead navigator for SHIP at Rural Health, Inc. This year, she said she’s reminding people to check their Part D plan, since many plans have changed.

kfvs12.com logo
Oct 22 • 6:22 PM EDT • Health • kfvs12.com
Tepper Sports & Entertainment Selects Marsh and Partners Risk Strategies as Insurance Brokers for Bank of America Stadium’s Multi-Year Transformation

The official website of the Carolina Panthers with access to tickets, schedules, news, videos, photos, statistics and more.

panthers.com logo
Oct 22 • 9:56 AM EDT • Sports • panthers.com
Here's why a family health insurance plan costs more than $28,000

The average family health insurance plan offered through an employer cost $28,303 this year, an increase of 5% from a year ago, according to KFF.

usatoday.com logo
Oct 22 • 5:10 AM EDT • Health • usatoday.com
Georgia Affordable Care Act health insurance premiums set to rise dramatically

Georgia marketplace health insurance premiums under the Affordable Care Act could skyrocket as high as 29 percent next year.

fox5atlanta.com logo
Oct 16 • 10:19 PM EDT • Health • fox5atlanta.com
Deep dive
😐 Neutral (11%)
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Get Covered Illinois offering health coverage to 9,300 residents affected by Medicaid cuts

Approximately 9,300 Illinois residents who lost Medicaid coverage due to the One Big Beautiful Bill Act can now enroll in health insurance plans through Get Covered Illinois until December 31, 2026…

wcia.com logo
Oct 21 • 10:10 AM EDT • Health • wcia.com
Health insurers balk at paying for newborns' RSV immunization in the hospital

Many infants are leaving the hospital without getting immunized against RSV. Why? Because many insurance companies won't pay for the shots while the newborn is in the hospital.

npr.org logo
Oct 16 • 4:46 PM EDT • Health • npr.org
High-Signal Publisher
New research highlights connection between health insurance availability and breast cancer survival
wusa9.com logo
Oct 18 • 10:29 PM EDT • Health • wusa9.com
Dollars & Sense: Tips for health insurance open enrollment

Open enrollment season is approaching, giving millions of Americans an opportunity to review their health insurance coverage and make decisions that could affect both their healthcare and their finances in the coming year.

clickorlando.com logo
Oct 23 • 5:00 AM EDT • Health • clickorlando.com
CT offers health insurance subsidy to early childhood educators

More than 7,000 early childhood educators in Connecticut without health insurance can now sign up for state-subsidized coverage.

wshu.org logo
Oct 22 • 8:03 AM EDT • Health • wshu.org
Experts say your health insurance should cover gym memberships to prevent cancer from coming back. Why don't they?

Fitness programs are increasingly viewed as good cancer fighters, but insurers limit the coverage.

finance.yahoo.com logo
Oct 19 • 6:45 AM EDT • Health • finance.yahoo.com
America's largest health insurance companies cancel nearly 1M Medicare Advantage plans — here's what that means for recipients
nypost.com logo
Oct 21 • 11:04 AM EDT • Health • nypost.com
Axa XL names former Everest exec to E&S casualty role

Axa XL on Monday named former Everest Insurance executive Erin Bouren underwriting manager for E&S casualty in the Western U.S.

businessinsurance.com logo
Oct 19 • 10:46 AM EDT • Business • businessinsurance.com
😐 Neutral (0%)
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Hartford names wholesale, financial lines leaders

The Hartford on Tuesday named Charles Chin head of wholesale casualty for its Navigators unit and Anthony Dolce head of financial lines, U.S. and global practice for its global specialty business unit.

businessinsurance.com logo
Oct 20 • 9:43 AM EDT • Business • businessinsurance.com
Tunisia proposes 50% insurance subsidy for Africa exports

Tunisia plans to cover 50% of the insurance premiums for business exports to African markets under its proposed 2027 budget bill, with the provisions applying for 12 months after the law takes effect…

businessinsurance.com logo
Oct 22 • 10:17 AM EDT • Business • businessinsurance.com
Double-Digit Health Insurance Rate Increases Finalized for 2027

Health insurance rates in New Jersey’s individual market, which includes Get Covered New Jersey, will increase by an average of 19.8% for 2027, according

njbia.org logo
Oct 16 • 12:32 PM EDT • Health • njbia.org
Having insurance doesn’t mean you can get a mental health appointment

Americans with commercial insurance are generally told they have access to a strong network of mental health providers. But when researchers called providers listed in those networks, securing an appointment was usually difficult or impossible, according to a new study.Researchers, posed as “secret shoppers” looking for appointments for issu...

news.osu.edu logo
Oct 16 • 11:17 AM EDT • Health • news.osu.edu
MS&AD Insurance Group Holdings (TSE:8725) Highlights Its US Business, Is The Upside Already Priced In?

MS&AD Insurance Group Holdings (TSE:8725) put its U.S. operations in the spotlight at its recent Investor Relations Day, giving shareholders fresh detail on how that overseas unit fits into the wider insurance group. The recent Investor Relations Day lands after a strong run in the share price, with a 1-day share price return of 2.49%, a 7-day share price return of 5.05% and a 90-day share price return of 14.70% that points to building momentum. A 1-year total shareholder return of 63.73% and...

finance.yahoo.com logo
Oct 18 • 4:07 AM EDT • Business • finance.yahoo.com
New Virginia program could help residents save on health insurance

VIRGINIA (CBS19 NEWS) -- Thousands of Virginians could soon see significant savings on their health insurance premiums through a new $150 million state program.

cbs19news.com logo
Oct 21 • 9:18 PM EDT • Health • cbs19news.com
Why big insurers are investing in shared provider data

Health insurance partnerships and ventures aim to clean up messy provider directories.

modernhealthcare.com logo
Oct 21 • 6:00 AM EDT • Health • modernhealthcare.com
Ategrity Specialty’s underwriting gains offset by investment losses

Excess and surplus lines insurer Ategrity Specialty reported lower third-quarter profits Wednesday despite improved underwriting results.

businessinsurance.com logo
Oct 22 • 10:39 AM EDT • Business • businessinsurance.com
Health minister decries bill subsidizing NHI premiums for most seniors

Health Minister Shih Chung-liang (石崇良) has warned that newly passed legislation fully subsidizing National Health Insurance (NHI) premiums for most seniors would increase the financial burden on younger generations.

focustaiwan.tw logo
Oct 18 • 7:29 AM EDT • Health • focustaiwan.tw
Orange County teachers face ongoing pay and health insurance disputes

The recommendations come as the two sides remain at an impasse over compensation and health care costs

wftv.com logo
Oct 19 • 7:26 PM EDT • Health • wftv.com
A timeline of Mike Causey’s sometimes-turbulent tenure as NC insurance chief

A look at Insurance Commissioner Mike Causey’s career as a second complaint about his behavior with women surfaces.

newsobserver.com logo
Oct 21 • 1:14 PM EDT • Politics • newsobserver.com
Why Minnesota seniors face the nation’s biggest health insurance shake-up

An era of low costs and more generous benefits may be ending for hundreds of thousands enrolled in Medicare Advantage plans in Minnesota.

startribune.com logo
Oct 23 • 7:00 AM EDT • Health • startribune.com
Research suggests women living in states with abortion bans bear higher health insurance costs

Ten states with near-total abortion bans were compared with five states that did not implement bans, including Pennsylvania.

wesanews.org logo
Oct 18 • 10:08 AM EDT • Health • wesanews.org
Deep dive
😐 Neutral (14%)
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Orange County Public Schools rejects health insurance proposal

For the time being, Orange County school leaders have rejected a plan to end a dispute over teachers' health insurance.

wesh.com logo
Oct 20 • 6:23 PM EDT • Health • wesh.com
Health insurance through work is under strain. What comes next?

Employers are struggling with rising premiums. Some are looking for a different model.

washingtonpost.com logo
Oct 22 • 7:00 AM EDT • Health • washingtonpost.com
Healthcare, small business advocates urge reversing healthcare cuts, boost Democrats

Advocates called on Congress to restore Medicaid and Affordable Care Act insurance premium subsidies and criticized Republicans.

wisconsinexaminer.com logo
Oct 21 • 8:08 PM EDT • Health • wisconsinexaminer.com
Ambetter Health Announces 2027 Marketplace Offerings, Including Enhanced Condition-Specific Coverage Options

/PRNewswire/ -- Ambetter Health, the Health Insurance Marketplace product of Centene Corporation (NYSE: CNC), today announced its 2027 Marketplace offerings,...

prnewswire.com logo
Oct 20 • 7:00 AM EDT • Health • prnewswire.com
Health insurance premiums jump 9%, and more Americans don’t have access to coverage

Working-age U.S. adults without health insurance rose in 2026. Half of all uninsured people did not seek needed care because of cost concerns, according to a new survey.

statnews.com logo
Oct 22 • 8:22 AM EDT • Health • statnews.com
Health insurance gaps leave families struggling with costs, survey finds

A new survey from GoodRx finds that even people who have health insurance are increasingly underinsured.

wlox.com logo
Oct 22 • 11:24 AM EDT • Health • wlox.com
Health insurance is the sleeper midterms issue: Why premiums are spiking

Americans are bracing to pay significantly more for health insurance next month, whether they have Affordable Care Act plans or get insurance through work. Premiums for some people could be t…

thehill.com logo
Oct 17 • 6:00 AM EDT • Health • thehill.com
High health costs squeeze workers, even if you have good insurance through a job

About 157 million Americans get their health insurance through work. A survey of employers shows a moderate price uptick this year, but workers still say health costs are a top concern.

npr.org logo
Oct 22 • 5:00 AM EDT • Health • npr.org
High-Signal Publisher
Health insurance gaps leave families struggling with costs, survey finds

A new survey finds that even people who have health insurance are increasingly underinsured.

fox8live.com logo
Oct 22 • 11:27 AM EDT • Health • fox8live.com
OCPS rejects compromise on teacher health insurance ahead of school board hearing

Orange County Public Schools rejected on Tuesday a compromise on health insurance costs meant to break a months-long contract dispute between the district and its teachers union, saying that a special...

yahoo.com logo
Oct 20 • 5:22 PM EDT • Health • yahoo.com
2 major health insurance companies cancel Medicare Advantage plans covering 1 million people

The two companies are the largest private health insurance companies for older adults in the U.S.

cleveland.com logo
Oct 22 • 4:43 PM EDT • Health • cleveland.com
Can AI solve our mental health access problem?

Last week I asked you what worries you most about AI in health. It was close, but your top answer was “AI giving bad health advice.” Last week’s poll results: You’re in good company. This concern was top of mind at a conference I joined at Stanford last week, where researchers, clinicians, and people who build AI systems spent a day debating trust and safety in health AI. Stepping back, I’m also hearing your emerging concerns about AI’s impact on our well-being generally. I see this as a matter of public health, and we’ll take it in pieces as we learn together. Today we’ll focus on AI chatbots used for therapy for mental health. Early this month, Governor Newsom vetoed Senate Bill 903, California’s most ambitious attempt to regulate AI use for mental health. It’s at the center of active debate, and raises the questions patients, family members, citizens, and voters will face as AI moves deeper into health care. Let’s work through it. What is “AI-based therapy”? It’s really two things: purpose-built mental health apps designed to deliver structured support, and general chatbots like ChatGPT, Claude, and Gemini that people increasingly use for emotional support—even if they weren’t built for it. Spoiler alert: I don’t know whether the shift toward AI therapy is good or bad. The evidence isn’t there yet. But I do know it’s already happening, and I have some ideas about how we can roll it out with safety in mind. The therapy dilemma, in a nutshell Mental health challenges are common, and strain health and well-being across populations. Therapy (interactive dialogue with a trained, empathetic practitioner) helps many people heal. The demand for licensed therapists far exceeds the supply in California, and AI-based therapy can narrow that gap. AI-based therapy remains novel, unproven, and not well tested. Right off the bat, we can see we’re dealing with trade-offs here. Since the main driver of demand for therapy from a robot is lack of access to therapy from a human, we’ll start there. It’s too hard to find and afford a human therapist California is short roughly 55,000 licensed, non-prescribing therapists and counselors, about 40% of what we need. Psychiatrists, who rely on talk therapy as a complement to prescribed medications, are even more scarce. Eight counties have none, and density ranges from 1.7 per 100,000 residents in San Benito County, to 68.1 in Marin County. My wife is a psychiatrist in Marin, and even here access is tight. If it’s hard in the best-supplied county, imagine rural Sierra County, or the San Joaquin Valley. In 2024, more than half of Californians who tried to make a mental health appointment struggled to find a provider who took their insurance, compared with 14% for physical health care. When Senate staff posed as “secret shopper” patients and called 120 mental health providers in Medicare Advantage networks, they landed an appointment less than once for every five tries. Insurers pay behavioral health clinicians about 22% less than medical and surgical clinicians for comparable office visits. On top of that, billing denials and prior authorizations hit hardest at the solo and small practices common in mental health. Psychiatrists opt out of Medicare at the highest rate of any specialty. In many places, a cash practice for therapy fills quickly with patients paying $250 or more an hour, with no insurance paperwork at all. Families who can pay cash find providers more easily. Those who rely on insurance, including Medi-Cal enrollees, older adults, rural residents, and non-English speakers, compete for what’s left. So we can’t pretend the human system works, and we can’t blame people for turning to AI for support when they’re in distress. AI is filling the gap It’s estimated that roughly a quarter of AI users use it for mental health support. If you have internet, it’s available 24/7, it’s cheap, and it speaks your language. Uninsured adults are about twice as likely as insured adults to do it (30% vs. 14%). It feels anonymous in ways that may enable people to ask things they’re unsure or embarrassed about. The largely hidden, personal use makes it hard to study whether it’s actually helping people with their mental health issues, but researchers are trying. Does AI therapy work? A 2026 analysis of nearly 40 randomized trials found chatbots showed a real but small reduction in depression symptoms. But most of these trials were compared to an alternative of no therapy, not a human therapist. So the benefit of AI therapy is probably real, but modest, and mostly untested against the alternative of human contact. We need more studies. Serious concerns OpenAI’s own estimate is that more than a million ChatGPT users each week show signs of suicidal planning or intent. These are high stakes encounters, and AI doesn’t always get it right. That’s partly because a chatbot can sound like a therapist, but it has no license, no duty of care, and it’s not clear who to hold accountable when it gets things wrong. AI is also designed to help users in whatever task they’re seeking to accomplish. People may feel like they’re getting therapy, but they’re mainly getting a convincing conversation. It’s easy for an AI companion to wander into gray areas, like playing along with “creative writing” that may be about the user’s own suicidal intent. Courts are driving safety conversations A wave of lawsuits have been filed on behalf of families claiming that chatbots pushed people they loved toward self-harm, including teens who died by suicide. The first settlements came this year. OpenAI is headquartered in San Francisco, and dozens of cases alleging that ChatGPT drove users to suicide or self-harm are now before a San Francisco judge. Character.ai has filed for bankruptcy after several states brought lawsuits accusing the chatbot of pushing dangerous content to kids. But the technology seems to be improving. Last month, an independent evaluation found that newer AI models “almost never endorse suicide.” That’s progress, but our societal appetite for even one preventable death is very low. So how do we move forward? Finding a middle ground Earlier this month the governor vetoed Senate Bill 903, a bill designed to place guardrails on the use of AI for therapy. The bill would have prohibited any AI-based platform from being advertised as psychotherapy, and would have required a licensed professional to review and approve each encounter where AI was used to support therapeutic decisions. Newsom called it overly broad, since even routine screening questions would have needed clinician sign-off. Knowing we’re already short on mental health providers, requiring human review of AI encounters may not relieve our access problems. Still, the answer isn’t no oversight. Here’s one feasible short term solution. Rather than reviewing each encounter, a licensed clinician can design the guardrails: what counts as a crisis, what triggers an immediate handoff to a human, and what gets sampled for audit each month. The AI runs inside that structure. Conversations get checked, failures get reported, and a real clinician owns the framework. Medicine already has models to learn from. The FDA process for rolling out newly approved medications is an example. After a product reaches patients, we keep watching for adverse events. Patient-facing AI needs the same “digital pharmacovigilance”: systematic tracking of harms, near misses, and the types of groups that get hurt and why. It’s also critical that users know that they can reach a human if they’re in crisis. Most chatbots now include messages like these: Bottom line The rush to use unproven AI tools for mental health support is mostly a workaround, a sign of a health system people can’t get into. We need better access to proven care from licensed clinicians. That takes reimbursement that makes accepting insurance viable, and a bigger workforce. But, built and tested well, AI could be part of the answer. It could be the 2 a.m. check-in when no one else is awake, or a way for patients to practice skills their therapist taught them. It could be the first step to get someone the right level of care, and take paperwork off clinicians’ plates so they spend more time with patients. None of this is simple. The SB 903 veto doesn’t end the debate, and the legislature will be back. In the meantime, those of us using these tools need to stay informed, ask hard questions, and hold the companies building them accountable. I’ll try to do my part, and we’ll keep learning together. Love,Matt P.S. If you or someone you know is struggling with mental health challenges, emotional distress, substance use problems, or just needs to talk, call or text 988- you’ll reach a real person— or chat at 988lifeline.org 24/7. Dr. Matt Willis is the author of Your Local Epidemiologist in California. A California native, he’s served as a primary care physician, CDC epidemiologist, and public health officer for Marin County, where he guided the pandemic response. He lives in Marin with his family and their dogs, Teddy and Ramona. Thank you Cynthia He, MD, PhD, and Parnika Saxena, MD, for their guidance in preparing this article. Cynthia works in an outpatient mental health clinic, treating patients who have Medi-Cal or, sometimes, no insurance. Parnika works in an inpatient psychiatric unit, treating patients with public or private insurance or self-pay ability. All opinions are their own and do not represent their employers.

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Oct 16 • 10:32 AM EDT • Health • yourlocalepidemiologistca.substack.com
Medicare paying billions in Utah health care, new study shows

Medicare is spending $6 billion on Utahns yearly as enrollment in the health insurance program inches closer to 500,000. That’s the most any federal health care program is spending on the Bee…

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Oct 20 • 3:12 PM EDT • Health • abc4.com
How to save money on health insurance during open enrollment
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Oct 21 • 5:41 PM EDT • Health • cbsnews.com
High-Signal Publisher
Health insurance is the sleeper midterms issue: Why premiums are spiking

Americans are bracing to pay significantly more for health insurance next month, whether they have Affordable Care Act plans or get insurance through work. Premiums for some people could be t…

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Oct 17 • 6:00 AM EDT • Health • thehill.com
SRS names former Allianz exec to alternative risk role

Strategic Risk Solutions said Tuesday it has appointed former Allianz Commercial executive Chris Terry as managing director and head of alternative risk transfer and risk strategy, effective April 19…

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Oct 20 • 9:00 AM EDT • Business • businessinsurance.com
Earnings To Watch: Elevance Health (ELV) Reports Q3 Results Tomorrow

Health insurance provider Elevance Health (NYSE:ELV) will be reporting results this Wednesday before market hours. Here’s what investors should know.

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Oct 20 • 2:45 AM EDT • Health • finance.yahoo.com
Health insurance costs continue rising for American workers, new survey finds

new KFF survey found that Americans with employer-sponsored health insurance are paying more for coverage in 2026, with workers at small businesses facing the steepest increases.

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Oct 22 • 10:57 AM EDT • Health • fox10phoenix.com
Tepper Sports & Entertainment Selects Marsh and Partners Risk Strategies as Insurance Brokers for Bank of America Stadium’s Multi-Year Transformation

The official website of the Carolina Panthers with access to tickets, schedules, news, videos, photos, statistics and more.

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Oct 22 • 9:56 AM EDT • Entertainment • panthers.com
Insured patients struggle to schedule mental healthcare, study shows

Patients with commercial insurance still struggle to access mental healthcare, according to new data from five state including New Jersey.

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Oct 21 • 6:58 AM EDT • Health • newjerseymonitor.com
Experian Health buys eInsights to boost insurance discovery

Experian Health, the healthcare arm of global data and technology business Experian, has acquired eInsights, a healthcare technology firm that helps providers locate patient insurance coverage that was overlooked or unavailable at the point of care. The deal broadens Experian Health’s insurance discovery capabilities beyond the early stages of the revenue cycle and gives providers […]

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Oct 23 • 10:24 AM EDT • Health • fintech.global
Rising health care costs are pushing people to forgo medicine and doctor visits

Higher insurance premiums, climbing medical costs and inflation are pushing health care expenses for Americans to new heights.

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Oct 23 • 6:00 AM EDT • Health • washingtonpost.com
Everybody sells insurance. What businesses need is a partner.

How Paul White Company, Chalmers Insurance Group and MEMIC worked together to strengthen safety and business performance.

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Oct 22 • 4:24 PM EDT • Business • pressherald.com
CT to make healthcare subsidy available to childcare workers

Eligible childcare workers can receive money annually toward insurance premiums for Access Health CT plans.

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Oct 21 • 5:15 PM EDT • Health • ctmirror.org
Open enrollment season under way for health insurance, other benefits
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Oct 21 • 10:28 AM EDT • Health • cbsnews.com
High-Signal Publisher
Getting health insurance from your job will be extra pricey for 2027

Workers might start feeling faint when they sign up for work-based health coverage for 2027.

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Oct 22 • 5:30 AM EDT • Health • cnn.com
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Health insurance costs keep climbing for American workers, a new survey finds

WASHINGTON (AP) — People who rely on employer-sponsored health insurance paid more for their coverage this year, with employees at small businesses and their employers especially squeezed by the surging

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Oct 22 • 7:02 AM EDT • Health • 2news.com
Small businesses are getting clobbered by health insurance costs

Health insurance costs have risen for small business workers, who face higher family coverage costs and fewer plan choices than larger firms.

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Oct 22 • 3:24 PM EDT • Business • businessinsider.com
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Health Care Costs Are Becoming Unsustainable

As the cost of health insurance continues to rise, more people are dropping coverage.

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Oct 22 • 5:00 AM EDT • Health • time.com
Skuld names new underwriting chief and CFO

Norway-based Assuranceforeningen Skuld (Gjensidig) has promoted Chief Financial Officer Kristian Løberg to chief underwriting officer, Coverager reported. Skuld expects the reorganization to establish…

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Oct 23 • 10:08 AM EDT • Business • businessinsurance.com
MNsure offers new health plan tools ahead of 2027 open enrollment

Minnesotans looking for health insurance coverage for 2027 can shop and compare plans at MNsure.org. In advance of the annual open enrollment period starting Nov. 1, the use of new online tools is helping consumers choose plans for their families and their budget.

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Oct 19 • 11:16 AM EDT • Health • kttc.com