South Africans are preparing for another round of medical aid contribution increases in 2026, with most major schemes announcing hikes that range from moderate to steep. According to data compiled by Alexforbes, the average increase across South Africa’s top open medical schemes will fall between 6.8% and 9.9%. However, one scheme – Sizwe Hosmed – has announced a staggering 19.15% increase, far exceeding the industry average and raising concerns about affordability for many households.
Momentum Health leads the pack with a 9.9% average increase, followed closely by Fedhealth at 9.6%, Bonitas at 8.88%, and Medihelp at 8.46%. Discovery Health, South Africa’s largest medical scheme, has implemented a 7.2% increase, but due to a delayed rollout starting on 1 April 2026, the effective annual increase is closer to 5.4%. Bestmed has kept its increase at the lower end of the spectrum at 6.8%. These adjustments come at a time when South Africans are already grappling with rising costs in food, fuel, electricity, and education – making healthcare affordability a growing concern.
Several factors are driving these increases. Post-pandemic healthcare utilization has surged, with more claims for chronic conditions, elective procedures, and mental health services. Inflationary pressures on hospital tariffs, specialist fees, and medication costs are also contributing to the upward trend. Additionally, schemes must meet regulatory solvency requirements and invest in broader benefit structures, including wellness and preventative care. While the Council for Medical Schemes (CMS) recommended a guideline increase of just 3.3%, most schemes have exceeded this figure to maintain financial sustainability.
For South Africa’s tech-savvy consumers, these rising costs present both challenges and opportunities. Digital platforms like Hippo.co.za and PriceCheck have become essential tools for comparing medical aid plans and switching providers. Many schemes now offer mobile apps that allow members to track benefits, submit claims, and access virtual consultations. Telemedicine and AI-powered health platforms are also emerging as cost-effective alternatives for routine care, especially among younger members who prefer digital-first solutions.
To manage rising medical aid costs in 2026, consumers are advised to review their plans annually, use comparison tools to evaluate value, and consider gap cover if downgrading to more affordable options. Most schemes allow plan changes in November, making it the ideal time to reassess coverage and make informed decisions.
