Employee Health Benefits 2026.

The most-searched HR phrase in America. The 2026 employee benefits stack (medical, dental, vision, 401(k), HSA, FSA, DCAP, commuter, life, disability, telehealth, mental health), real cost ranges (single $9,300, family $26,400), the federal legal stack (ERISA, ACA, COBRA, HIPAA), how FEHB benchmarks the private market, and the Section 125 cafeteria plan recapture math every employer should run before open enrollment.