And even if you didn't change your insurance plan for 2026, you could still be facing higher costs. And even if you didn’t change your insurance plan for 2026, you could still be facing higher costs. Consumer Reports investigative reporter Lisa Gill says the first step is understanding exactly what your health plan covers. Many hospitals offer help that can reduce your balance—or even eliminate it—based on your income. Consumer Reports also suggests considering a Health Savings Account or a Flexible Spending Account if you’re eligible.