Adams Actuarial LLC

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Adams Actuarial LLC A retired health actuary's perspective on health care reform. Learn more about America's number one problem.

10/28/2026

Millions of Americans are doing everything right. They sign up for health coverage, pay their premiums, show up to their appointments, and follow their doctors’ recommendations.

10/27/2026

The two previous articles show predictions of health care becoming over 20% of the US economy, as measured by health care as a percent of Gross Domestic Product, by the year 2034. When I started out in the health actuarial world in 1983 health care was only 10.8% of the economy as measured by GDP. This is a huge and unacceptable increase in health care costs. Over that period there has been little legitimate health care cost reduction. There has been significant cost shifting such as different forms of reinsurance and fee schedule decreases for government programs. These changes generally just shift costs within or into commercial insurance plans or they require additional monies from the government. Legitimate health care reform that would reduce health care costs would include a reduction in fee fee schedules used by commercial insurers for payments to providers in its commercial business and a reduction in the 25% to 35% of health care costs that are Fraud, Waste and Abuse.

10/27/2026

U.S. health spending is projected to hit $6 trillion in 2026, with hospitals alone accounting for $1.9 trillion. By 2034, health spending could reach $9 trillion and make up more than 20% of the economy.

More on how health spending is expected to grow in our new Health System Tracker analysis: https://on.kff.org/4yX9C2O

10/26/2026

Health spending growth is expected to outpace growth in the overall economy and eventually hit 20.6% of GDP by 2034.

More on health spending here: https://on.kff.org/4yX9C2O

10/26/2026

Our 2026 benchmark employer health benefits survey finds that workers are paying on average $7,471 annually toward the premiums for employer-sponsored family health benefits this year — up 9% or $621, from 2025.

The burden of family premiums hits particularly hard for workers at small firms with less than 200 workers.

On average, covered workers in small firms are contributing $9,687 annually toward family coverage this year — $2,847 more than workers in large firms with at least 200 workers. https://on.kff.org/ehbs2026

10/24/2026

Our 2026 benchmark employer health benefits survey finds that total annual premiums for family coverage — including the employers’ share — now average $28,303, up 5% or $1,310 from 2025.

Over the same period, wages rose 3.7% and general inflation rose 2.7%, though inflation has been higher in recent months.

Since 2021, family premiums and workers’ contributions have risen at similar rates (28% and 26%, respectively) and are comparable to the increase in wages (27%) and inflation (24%) over the same period.

Get the details: https://on.kff.org/ehbs2026

10/22/2026
10/22/2026

New survey results from KFF show workers pay an average of $7,471 toward family coverage, with employees at small firms facing a heavier burden.

10/22/2026
10/22/2026

Address

Canandaigua, NY
14424

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15854126895

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