Michigan employers · 2027 renewals

Your 2027 group health renewal: get it audited before you sign

Michigan small-group insurers asked for an average 9.6% for 2027, and employers nationally expect 8.2%. Send us your renewal and we’ll show you what changed and what your options are.

Your info goes to one licensed Michigan advisor, never sold. Not to a call center, not to a list of “partners.”

Proposed 2027: 9.6% avg
10-point audit
Start 120 days out

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Your info goes to one licensed Michigan advisor at Nexus. Never sold. No pitch, no obligation.

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This is a request for a conversation, not an application for coverage. Please don’t send employee names, health information or claims details through this form; we’ll set up a secure way to share a census later.

What’s driving 2027 renewals

Proposed Michigan small-group insurers asked for an average 9.6% for 2027, from 7.0% to 14.8% by insurer. [DIFS]
Employers nationally expect total health benefit cost per employee to rise 8.2% in 2027 after planned changes, the highest since 2003, and 11% if they change nothing. [Mercer preliminary survey, Sep 2, 2026]
In 2025 the average employer family premium reached $26,993 (up 6%), with workers contributing $6,850. [KFF 2025]
Large-group renewals (51+) aren’t in the DIFS filing table; they are priced on your group’s own experience and the carrier’s trend.

The audit offer

Send us your 2027 renewal (or tell us your renewal month). A licensed Nexus advisor marks it up: what changed, what’s negotiable, and what the alternatives would cost for your census. You decide what to do with it.

Request my renewal audit

Proposed 2027 small-group rate changes by insurer

Insurer (small group)	Requested 2027 change	Current enrollment
Blue Cross Blue Shield of Michigan	7.0% Proposed	133,192
Blue Care Network of Michigan	10.7% Proposed	133,899
Priority Health	11.6% Proposed	87,423
Priority Health Insurance Company	10.7% Proposed	2,390
Health Alliance Plan (HAP)	11.6% Proposed	22,605
Alliance Health and Life	11.6% Proposed	16,845
UnitedHealthcare Insurance Company	14.8% Proposed	6,612
UnitedHealthcare Community Plan	14.5% Proposed	756
Small-group market total	9.6%	403,722

Source: Michigan DIFS, “2027 Michigan Health Insurance Rate Change Requests, Small Group Market (as filed, subject to DIFS approval),” updated July 14, 2026. Averages across each insurer’s small-group book; your renewal depends on your plan, employees’ ages, area and contributions.

The 10-point renewal audit

Rate vs. filing. How your increase compares with your insurer’s DIFS request, and how much is age or census change.
Hidden plan changes. Deductibles, copays, out-of-pocket maximums and drug tiers, including GLP-1 coverage rules.
Network changes. Hospital systems and doctors your team uses, especially after recent system mergers and renames.
Contribution strategy. For 50+ employers, test 2027 affordability against the 10.22% threshold and IRS safe harbors. [IRS Rev. Proc. 2026-26]
Alternatives priced. Fully insured vs. level-funded, ICHRA or a hybrid by class.

Plan funding fit. 50+ employees with stable claims: is self-funding with stop-loss worth a look?
Broker compensation. ERISA plans are owed a written disclosure of broker and consultant compensation of $1,000 or more. Have you seen yours? [DOL FAB 2021-03]
Compliance calendar. Gag-clause attestation due December 31, 2026; SBC distribution; Section 125 plan document. [CMS]
Employee experience. Are people using the plan? Is the enrollment process clear?
Timeline. Ideally start about 120 days out. See our 120-day renewal checklist.

Want a wider comparison against published Michigan and national data? See the benefits benchmark. Unhappy with service? Get a broker second opinion.

2-minute advisor Q&A

Your 2027 renewal in 2 minutes

A Nexus advisor answers the questions we hear most. (Video coming soon.)

Why is my renewal higher than the average?
What can I actually negotiate?
When should I look at alternatives?

2-minute advisor Q&A Video coming soon

Frequently asked questions

How much will small-group health insurance go up in Michigan in 2027?

Michigan small-group insurers requested an average 9.6% increase for 2027, ranging from 7.0% to 14.8% by insurer, as filed with DIFS and subject to approval. Your renewal also reflects changes in your employees' ages and your plan design.

When should I start reviewing my renewal?

About 120 days before your renewal date is ideal, so there's time to compare alternatives, negotiate and give employees time to enroll. Tell us your renewal month on the form and we'll plan backward from it.

Can I negotiate a group health insurance renewal?

Sometimes. Fully insured small-group rates are filed with DIFS, but plan design, contribution strategy, carrier and funding method can all change your cost. Large groups often have more room to negotiate based on their own claims.

What should I look for besides the rate?

Changes to deductibles, drug coverage, networks and out-of-pocket limits, plus compliance items like the December 31 gag-clause attestation and your broker's compensation disclosure.

Will you sell my information?

No. It goes to one licensed Michigan advisor at Nexus and is never sold.

Where are you on the benefits ladder?

Just you (or you + spouse)Self-employed & individual plans 2–50 employeesSmall group, ICHRA, QSEHRA, level-funded 50–500 employeesSelf-funding, stop-loss, benchmarks

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Small-business pages by region

Buying coverage for yourself or your family? See Michigan Open Enrollment 2027.