Q: What’s causing rate increases in 2025? A: A temporary “peak adjustment year” driven by GLP-1 drugs, COVID-related inflation, and subsidy changes. Analysts expect rates to flatten again next year.
Q: How much are groups seeing in rate hikes right now? A: Many are facing 20–50% increases on traditional group plans — even after individual market adjustments, ICHRA often keeps them whole or below current costs.
Q: Are some states less affected? A: Yes — states like California, Oregon, and New York are seeing rate increases under 10%.
Q: What’s the deadline for a 1/1/2026 start? A:October 24th is the hard cutoff to guarantee a January 1 effective date.
Q: How fast can implementation happen? A: Typically five to six meetings over two to three weeks, with full onboarding and employee education support.
Schedule Time Today Before the October 24th Deadline
