How Much Does Health Insurance Increase Each Year? 
This is a near impossible question to thoroughly answer , especially in light of the Affordable Care Act . In past years , premiums for most large groups were known to increase 4-8 % , while smaller groups and individuals typically had much larger increases . I 've always told my clients to ship for a new plan every year , and if your increase is less than 10 % per year , consider yourself lucky , as other customers had increases two to three times that size . Since 2015 rates must be filed with each state 's department of insurance next month , and no company has enough history to properly rate 2015 policies based on the minimal time there has been to measure claims experience with Obamacare plans , the amount of increases we can expect to see this fall , for coverage in 2015 , is unknown . Most experts agree costs will continue to rise dramatically for the next few years , until company 's have had time to assess the true risk involved with these plans , their new mandates , and forced coverage for all pre-existing conditions . 