A good group plan is easier to defend when individual coverage costs more.
Candidates and employees read the same headlines you do: KFF estimates HealthCare.gov premiums rising about 13% for 2027, after a steep increase this year. A competitive group plan with a fair contribution stands out against that backdrop.
The point is not to oversell the plan. It is to make sure the value of what you offer is visible. Send us your renewal and we will give you a second opinion in writing.
Three ways to make the value visible.
Show the employer share
Many employees see only their payroll deduction. A one-line statement of what the company pays toward the plan puts the offer in context against a marketplace price.
Keep the contribution competitive
If your waiver rate or turnover points to cost, the contribution strategy is part of the answer. Compare contribution options by tier before you renew.
Benchmark before you renew
A second opinion on your renewal tells you whether the plan is competitive with the market. See our benefits strategy work.
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.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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