A Willis Towers Watson (WTW) survey of 6,000 workers found that financial security among U.S. employees fell to 36% in 2026, from 46% previously, the lowest level in seven years. About one-third of employees across all age groups said they delayed or skipped a medical or dental appointment in the past year due to cost, even those with health insurance, which WTW linked to high deductibles and out-of-pocket costs. Employees in their 40s reported the lowest financial security at 30%, and over 40% of them cited money worries for delaying care, compared with 50% security among those aged 60 and older. Roughly two-thirds of employees expect to be worse off than their parents' generation in retirement, while Federal Reserve data show households headed by someone aged 75 or older had a median net worth of $504,000 in 2025.
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