Health Insurance Premium Increases 2025. This year's detailed review of factors driving premium changes for 2025 found insurers have somewhat higher proposed rate increases, with a median of 9%. “in deciding how to control health benefit cost growth,” she notes, “employers have to consider premium increases, wage increases, healthcare affordability and benefit.
Overall, 2025 aca premiums are being driven primarily by economic inflation, rising medical costs, and increasing demand for specialty drugs. New analysis suggests 2025 will be the third consecutive year of unusually high health insurance cost increases.