If you use an HRA, compare the allowance with 2027 premiums.
An individual coverage HRA reimburses employees up to an amount you set. If that amount was set against 2026 premiums, it deserves a second look now that KFF estimates HealthCare.gov prices up about 13% for 2027.
The review is a comparison exercise, and it has a deadline attached. Send us your renewal and we will give you a second opinion in writing.
Three comparisons to run.
Allowance against real prices
Use HealthCare.gov window shopping, which DIFS says is open, to look up 2027 premiums for your employees’ ages and counties and compare them with each class’s allowance.
Each class on its own
If you define classes, such as full-time and part-time, run the comparison for every class. A class with a small allowance can look fine on average and fail for older employees.
Plan year and notice
For a calendar-year plan, the written notice for 2027 was due 90 days before the plan year. If you have not issued one, talk to your adviser about what that means for your start date (26 CFR §54.9802-4).
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
Individual coverage HRA rules: 26 CFR §54.9802-4. DIFS, Open enrollment is coming (October 26, 2026). 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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