Are Health Insurance Costs Going To Increase In 2015? 
In the big picture sense , Yes , health insurance rates are going up for the 2015 plan year . As always there are winners and losers in every rating cycle and the implementation of the health insurance marketplaces in 2014 totally reset the pricing dynamics in virtually every state . So , an individual group 's experience or an individual person 's experience with their health insurance rates for 2015 may vary substantially from the overall national trends . And in some ways it is difficult to make apples-to-apples comparisons of a person or group 's pre and post-Obamacare rating and benefit positions because the basic changes to health insurance rating have been so fundamental in the individual and small group marketplaces . Also , I 'll let you in on a secret . Health insurance rates will be higher in 2016 than they were in 2015 . It has been this way for the 30 years of my career and the health care reform law did virtually nothing to address healthcare costs only to increase insured access to healthcare . So , the trend of increasing costs on a year over year basis should be anticipated to continue for the foreseeable future . 