Check your waiver rate before open enrollment starts.
The share of eligible employees who decline your plan is one of the clearest signals of whether your contribution strategy is working. With marketplace prices rising, a waiver can cost an employee more than it did last year.
A short count now gives you something concrete to bring to your renewal. Send us your renewal and we will give you a second opinion in writing.
Three numbers to pull.
Waivers by tier
Count how many eligible employees waived, split by employee-only and by family tiers. A cluster in the family tiers usually points to dependent cost.
Reasons given
If the enrollment system records a reason, group them: other coverage, cost, or no reason. Cost is the one you can influence.
What the employee share looks like
Compare each tier’s employee contribution with your waiver counts. If employees waive at higher contributions, model how a different employer share would change take-up.
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.
Where these figures and rules come from.
Figures and rules
KFF and The Hill: KFF estimates about 13% for HealthCare.gov in 2027, as reported by The Hill on October 31, 2026; KFF’s review of insurer filings found a median proposed increase of 15% (KFF, How Much and Why ACA Marketplace Premiums Are Going Up in 2027). 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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