EmployeE Benefits

The Medical Cost Crisis Doesn't End with the Bill.

June 18, 2026

As healthcare costs rise, employees have less financial cushion for what comes next—making legal protection more valuable, not less.

Man looking at paper.

Medical Trigger
Legal/Financial Consequence
Surprise billing / billing dispute
Attorney access to review and dispute
Collections & credit damage
Legal guidance on debt & consumer rights
Hospitalization / serious diagnosis
Advance directives, healthcare proxy, living will
Caregiving responsibilities for an aging or ill family member
Access to Care.com to find vetted caregivers and can help reduce out-of-pocket caregiving costs*
Medicare / Medicaid questions
Attorney guidance on eligibility & navigation

7.8%
Healthcare cost trend 2025—highest in 15+ years
Source: WTW / Vanderbilt
52%
of employers shifting more costs to employees in 2026
Source: SHRM
80%
of Americans fear a medical bill could derail their finances
Source: Equitable 2025

Why Now?

Employees are absorbing more healthcare costs than at any point in recent memory — up to $571/month more for family coverage. They have little financial cushion to absorb a legal crisis on top of a medical one.  A legal plan for around a dollar a day is no longer a luxury. It is a safety net — and it pays for itself the first time an employee uses it.

The numbers tell the story:

  • $26,993 Avg. annual family premium — up 6% from 2024

             Source: KFF 2025

  • $1,886 Avg. single-coverage deductible; $2,631 at small firms

             Source: KFF 2025

  • 37% of adults cannot cover a  $400 emergency bill

             Source: Federal Reserve

  • 1 in 12 Americans carry medical debt —  totaling $220B+ nationwide

             Source: KFF

Reach out to your LegalShield Business Solutions representative or email [email protected] to get updated proposals, enrollment materials, and talking points.

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*See your plan contract for details. Additional fees, limitations, and waiting periods may apply.