Is Health Insurance Going Up? 
YES , in the aggregate sense . Perhaps for some individuals or groups their particular situation will allow them to benefit from the changes in rating methods and benefits required by the Affordable Care Act . But for most individuals and groups I am entirely comfortable in predicting higher health insurance costs . First of all , the underlying cost of health care services continues to rise . As these costs rise the cost of insuring these services must rise accordingly , this has been the case throughout my 30 years in the health insurance industry . Secondly , we are beginning to get a picture of what the enrollment composition in the individual health insurance marketplaces is looking like . As predicted by many industry professionals , the enrollment is skewing towards an older and sicker population with the highly desired young and healthy population largely remaining on the sidelines . Just today one of nation 's largest pharmacy management companies reported their preliminary analysis of the prescription utilization of marketplace enrollees vs their pre-health care reform population . Usage of expensive prescription medications for serious chronic health problems is 47 % higher , and this is just based on a couple of months of utilization data ! While some hold out the hope that the people who waited until the last moment to enroll were disproportionately young and healthy , my own experience enrolling people gives little indication that this was the case . So , the table has been set for adverse selection -LRB- more sick than healthy enrollees -RRB- in the health insurance pool , especially for the insurance carriers who elected to participate in the government health insurance marketplaces . This can not help but translate into higher health insurance costs for 2015 and in many areas of the country this will translate into very significant double digit increases in individual and small group health insurance . This has already been broadly hinted at by all the major health insurance carriers , it 's really not a question of `` if '' but just `` how much '' . 