Employer plans: roughly 10%, and your number may differ.
The Hill reports that employer health plans are expected to rise roughly 10%, below the HealthCare.gov increase. Michigan’s approved small-group average for 2027 is 9.6%, which sits close to that figure.
Expected averages are a place to start. Your renewal depends on your claims, your size and your carrier. Send us your renewal and we will give you a second opinion in writing.
Three reasons a group’s number can differ from the average.
Carrier spread
DIFS approved carrier increases from 7.0% to 14.8% for 2027, so two employers at the same average can see very different renewals.
Claims experience
Larger groups are priced more on their own claims, and smaller groups more on the pool. Where your group sits changes how much the average applies.
Plan and county
DIFS notes that rate changes vary by plan, geographic area and tobacco status, and that employee premiums also depend on what the employer contributes.
Keep reading.
HealthCare.gov premiums rise again in 2027
What the 2027 marketplace increases mean for an employer plan. Back to the marketplace page.
Keep reading on 2027 marketplace premiums.
HealthCare.gov Premiums Up About 13% for 2027: What the Estimate Covers
Where these figures and rules come from.
Figures and rules
Employer-plan expectation as reported by The Hill, October 31, 2026. Michigan small-group figures from DIFS’s approved-rates table. This page is general information, not legal or tax advice.
Send us your renewal.
Four documents — the renewal letter, the plan summary, the contribution split by tier and enrolled counts by tier. We’ll come back with a competitive read, where we see opportunity, and the five questions we’d put to your carrier.
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