September 7, 2025 – Risk Managers

2026 Individual Health Insurance Premiums Aren’t Getting Cheaper

Here’s what it looks like visually, sorted from lowest to highest average 2026 monthly premium:

SOURCE: ACA Signups – Author: Unknown

2026 Rate Change Project

Every year, I spend months painstakingly tracking every insurance carrier rate filing (nearly 400 for 2025!) for the following year to determine just how much average insurance policy premiums on the individual market are projected to increase or decrease.

Indemnity Health Plans

Why have a health plan that pays based on a percentage of anything when a significantly less costly indemnity plan will do?

For example, here’s a health plan that pays up to $4,500 per day for an in-patient hospital admission. On average, would this be enough in your state?

New Era Health Plans

Our top agents are enjoying $100,000 to $500,000 in yearly commission income

M	T	W	T	F	S	S
1	2	3	4	5	6	7
8	9	10	11	12	13	14
15	16	17	18	19	20	21
22	23	24	25	26	27	28
29	30