Another Year, Another Double-Digit Health Insurance Hike in Michigan. Now What?

This month, major Michigan insurers asked state regulators for permission to increase small business premiums again, with requested hikes reaching 12.1% and 13%, respectively.

No surprise there.

The Bigger Picture: A System at Odds With Itself

As reported in Crain's Grand Rapids Business, we're witnessing a clash between major players. Michigan's dominant health insurer, controlling 67% of the state's insurance market, is negotiating reimbursement contracts with the state's largest health systems: Henry Ford Health, Corewell Health, and Michigan Medicine.

The leading insurer, coming off a $1.03 billion loss last year, has its CEO publicly calling upon hospitals to cut costs as the industry accelerates toward what she describes as financial instability.

Meanwhile, the company itself is implementing a $600 million administrative cost-cutting plan.

On the other side, Michigan health systems argue that insurer reimbursement is substandard and hasn't kept pace with rising costs. They claim patients are suffering under increased denial rates and procedure scrutiny.

The downstream result? Small businesses face another round of double-digit premium increases.

More Than Just Inflation

The excuse? "Well, healthcare costs are just going up."

Sure. Some costs are up. But not 12%-every-single-year up. That's not inflation. That's a broken system feeding itself.

According to the Crain's article, the cost of healthcare in the U.S. was nearly $13,000 per capita last year, with costs projected to rise 4.3% or higher for the foreseeable future. Yet small business premiums are rising at nearly three times that rate.

You don't have to swallow it.

Small Businesses Fighting Back

We're seeing small businesses in Michigan finally stand up and say, "Enough." They're sick of rate hikes that don't deliver better care, better access, or better anything. They're asking better questions. They're building better plans.

Plans that don't follow the old script where insurance companies get rich and employers get squeezed.

You know what happens when you stop treating 12% increases like some law of nature?

You stop getting 12% increases.

A Different Approach to Health Benefits

At Sympl Benefits, we've spent seven years gathering data and creating a new model for the market. If you haven't heard about it, you should.

What makes this approach different? We apply technology and care navigation to help members make informed decisions, something missing from traditional models.

We're seeing competitive vendors entering the market, making providers compete, and building specific networks that save money for both employees and employers.

Real Results in Action

Consider this recent example: A member was scheduled for shoulder surgery at a hospital system, typically a higher-cost location. Our SymplCare team reached out proactively through multiple channels.

This proactive outreach is part of what we call the "supply chain of health." Because regardless of how well a company explains their benefits, people forget. Our system reminds them of the smart strategy their leadership team built to help them through their healthcare journey.

After talking with our team, this member switched to a tier-one provider. Their deductible dropped from $1,500 to zero, and the company saved approximately $7,500.

This approach represents a fundamental shift in how we engage with healthcare.

Taking Back Control

Look, if you're stuck feeling like there are no real options, you're not alone. That's exactly how the system wants you to feel.

But it's not true.

You can cut healthcare costs without reducing your benefits.

You can give employees better choices without adding bigger deductibles.

You can take control back, if you're willing to challenge the status quo.

Sympl Benefits is here for businesses ready to do that. To build something smarter and make 2026 a different story.

If you're tired of watching your premiums climb while everyone shrugs, let's talk. There's a better way.

And it's simpler than you think.