The 2026 Virtue Health State of the Market Report
Five Reports. One Briefing. Zero Filler.
Every year, the most important data in employer health benefits gets buried across five separate annual reports — Amwins Benefits, Sun Life, Tokio Marine HCC, QBE North America, and PwC Health Research Institute. We read all of them so you don’t have to.
This report pulls only what matters for self-funded employer health plans: the claims data, the cost drivers, the regulatory shifts, and the market forces your clients are going to ask you about in 2026.
What’s inside:
| Why the $1M+ Claim Is No Longer Catastrophic — It’s Predictable | |
| The Pediatric Stop-Loss Finding Nobody Is Talking About | |
| PwC’s 8.5% Group Medical Cost Trend Benchmark — And Why It Keeps Getting Restated Upward | |
| Specialty Drugs: Less Than 2% of Prescriptions, Nearly 50% of Spend | |
| The Behavioral Health Inflator Most Stop-Loss Reports Miss Entirely | |
| What the February 2026 PBM Legislation Means for Every Self-Funded Plan |
Also available:
Top 10 Takeaways — Broker Leave-Behind.
All 10 data points on a single page. Print it, email it, or pull it up on a laptop in the employer meeting.
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