Federal Contractors · One Question

The national rate is $5.92 an hour. Your contract’s rate is the one on its wage determination.

On wage determinations issued from August 10, 2026 the national health and welfare rate is $5.92 an hour, up from $5.55. Some determinations carry a different figure, so read yours.

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The Detail

The short answer, then the detail.

How it works

  • The figure is $5.92 an hour on determinations issued from August 10, 2026; the prior figure was $5.55.
  • The number that binds you is the one printed on the wage determination that governs your contract.
  • Check any published figure against your own determination before you rely on it.

What to watch

  • On multi-year contracts the rate generally changes at an anniversary date or the start of an option period.
  • That typically follows formal notice from the contracting officer.
  • Confirm timing with your contracts counsel.

What CFH does

  • Updates the per-employee cost model when the rate moves.
  • Shows what the new rate does to the plan and to any cash equivalent.

General information, not legal advice. Your wage determination and contract clauses govern, and contracts counsel decides how they apply to you. We bring counsel in.

Let’s Get to Work

Send us your renewal.

We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.

What to send

The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier

Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.

CFH Insurance Consultants

An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

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