Does the marketplace increase raise my employer renewal?
Not directly. Individual-market and group rates are priced in separate pools. Your renewal is set by your carrier, your group’s claims, your plan and your county.
Indirect effects exist: more employees question whether to waive, and more ask about eligibility. Send us your renewal and we will give you a second opinion in writing.
What to compare instead.
The Michigan small-group average
DIFS approved 9.6% for 2027, with carriers between 7.0% and 14.8%.
The employer-plan expectation
The Hill reports roughly 10% for employer plans.
Your own letter
Read the renewal against both, and ask for the breakdown behind any number above your carrier’s average.
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
Michigan small-group figures from DIFS’s approved-rates table. Employer-plan expectation as reported by The Hill, October 31, 2026. 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.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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