Small Group Health Insurance rates 2026

I do get this information every month from a vendor of CE  (continuing education) for health insurance agents and brokers in Texas.

This week: Health insurance premiums for January 2026 renewals are coming in higher than many employers expected, especially in the fully insured small group market. In this week’s discussion, we break down why rates are increasing, including the impact of an aging risk pool, continued medical trend, and the long-term effects of healthier groups migrating to level-funded, captive, PEO, and ICHRA arrangements. We also highlight how carriers are responding—through changes to plan design, networks, and out-of-network protections—and what employers should understand as they evaluate their 2026 options. The charts below give a clear, data-driven view of what’s happening and why.

Links

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Benefits Weekly – Complex Topics. Simple Explanations.

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