How Much and Why Premiums Are Going Up for Small Businesses in 2027

(By Emma Wager Twitter, Ashley Ferguson, Matthew McGough, Shameek Rakshit, Imani Telesford, Lynne Cotter, Nirmita Panchal, Matthew Rae Twitter, and Cynthia Cox Twitter for The Kaiser Family Foundation published August 6, 2026)

Each year, health insurers submit rate filings to state regulators outlining their expectations for the coming year and proposing premium changes for Affordable Care Act (ACA)-compliant plans. This analysis examines filings in the small group market, which covers plans offered to small businesses (generally with 50 or fewer full-time equivalent employees). Some of this coverage is sold through state-based exchanges called the Small Business Health Options Program (SHOP), but most small group coverage is sold off-exchange directly from insurers. Insurers selling health insurance to small businesses generally have to comply with ACA rules. Continue reading here…

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