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Why is Health Care so Unaffordable?

Health Care Cost Institute
January 21, 2026

On January 22, 2026, the Health Subcommittee of the House Energy and Commerce Committee and the House Ways and Means Committee convened a hearing with testimony from the nation’s health insurance CEOs to understand the core drivers working against health care affordability.

Years of HCCI research show that the real driver of why health care is unaffordable for millions of Americans is high underlying health care costs. See summaries of those results below.

Affordability One Pager
Why is Health Care So Unaffordable?

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