10/07/2026
No hyperbole, no creative license. Today...
-I spoke with an HR leader at a small enterprise (32EEs). They are unwinding group health for 2027.
-Spoke with a young couple without employer coverage looking at $1200 per month for a Bronze ACA plan (Family). That's a $14,400 annual spend just for premiums.
My bread and butter are small companies, 50EEs or less. It's home to me. It's what I love! Median price hike this year will be 14% on traditional group plans(Estimated).
Employers: you MUST ask if your broker is showing you every option. Every one! If you haven't researched level-funded or self-funded plan options, do so. (I don't operate in that space, but I can refer you if needed). Those may, or may not even be the answer, but your due diligence should include those concepts. Have you considered an ICHRA? (I can help you there).
Employees and Self-employed: De-couple yourself from traditonal group plans, or even ACA plans. Explore alternatives like healthshares and DPC bundles. You have nothing to loose.
My goodness...
(Large employers are facing a medium price hike of 11%)
Each year, health insurers submit rate filings to state regulators outlining their expectations for the coming year and proposing premium changes for Affordable Care Act (ACA)-compliant plans. This analysis examines filings in the small group market, which covers plans offered to small businesses (g...
