2026 Zywave, Inc. All rights reserved. 2026 Employee Benefits Market Outlook 2 Table of Contents Executive Summary Top Health Plan Compliance Issues for 2026 The Rising Costs of Health Care: Strategic Insights for 2026 The One Big Beautiful Bill Act and What It Means for Employers Fertility Benefits on the Rise Key Trends Shaping Employee Leave Expansion Innovative Strategies for Addressing Student Loan Debt AIs Growing Influence on the Workplace Wellness Trends Reshaping the Employee Experience Conclusion 3 5 9 14 17 19 22 24 27 30