09/02/2026
“But I barely even used my insurance this year…why did my premium go up?” 😩
I hear this ALL the time.
Health insurance premiums aren’t based only on how much YOU personally used your plan. Medical costs, prescription costs, the overall risk pool and carrier rate changes all play a part.
And heading into 2027? Marketplace insurers are currently proposing a median premium increase of about 15% nationwide.
That doesn’t mean everyone’s rate will go up 15% — proposed rates vary by carrier and location and can still change before they’re finalized.
But it IS a good reminder: don’t just auto-renew and hope for the best.
Review. Compare. Ask questions. Know your options.