KFF September 24, 2025
Matt McGough, Shameek Rakshit, Imani Telesford, Jared Ortaliza, Gary Claxton, Lynne Cotter, Cynthia Cox

Small businesses with Affordable Care Act (ACA)-compliant plans could face a median premium increase of 11% for 2026, according to an analysis of preliminary rate filings from 318 insurers across all 50 states and DC. A deep dive into filings from 16 states and D.C. (with a 12% median proposed rate increase) shows that these small group market insurers cite rising health care costs (commonly estimated at about 9%) as the primary driver of the 2026 rate hike, including higher prices for hospital care, physician services, and prescription drugs.

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Topics: ACA (Affordable Care Act), Employer, Insurance
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