Navigating Rising Insurance Costs in 2026

by Toriann Cox December 23, 2025

For many in the diabetic community, 2025 has brought a frustrating reality:

Health insurance premiums are up an average of 6%, and deductibles are climbing even higher. If you feel like you're paying more for "coverage" while still footing the bill for your own supplies, you aren't alone.

High-deductible health plans (HDHPs) have become the norm, often leaving patients to pay the full retail price for their diabetic supplies until they hit a $3,000 or $5,000 threshold.

When insurance feels like it's failing you, it’s time to look at a better way to buy.

RapidRX USA

Why Insurance for Diabetics is Getting Tricky

Several factors are driving up your out-of-pocket costs this year:

The "Premium Spike": Average family coverage premiums have reached nearly $27,000 annually, forcing many to switch to lower-premium, high-deductible plans just to stay insured.
Formulary Shifts: Insurance companies frequently change which brands they "prefer," sometimes dropping certain products or moving them to a higher "specialty" tier with a 40–50% coinsurance.
The Deductible Wall: Under many 2025 plans, you pay 100% of the cost for durable medical equipment (DME) until that massive deductible is met.

Beating the System: Transparent Pricing

Because we work outside the traditional insurance-to-pharmacy pipeline, we can offer pricing that is often lower than an insurance copay.

How to Manage Your Supply Budget This Year

Do the Math: Check your 2025 summary of benefits. If your deductible is over $2,000, you are likely better off paying our "cash price" rather than letting the pharmacy bill your insurance $300 toward a deductible you might never meet.
Avoid the "Medical Necessity" Paperwork: Insurance companies often require "Prior Authorizations" that can delay your shipment by weeks. Buying direct means your order ships today.
All of our products are available over the counter, no prescription is required when ordering from RapidRX USA.

The Bottom Line

In 2026, being a "smart patient" means being a "smart shopper." You don't have to wait for your insurance company to approve your right to see your glucose levels.