Shopping Health Insurance vs. Fixing the Cost Problem

According to a recent report from WXYZ-TV (ABC 7 News), Michigan health insurance companies are requesting significant premium increases for 2026, with individual plans facing an average hike of 16.8% and small group plans seeing 11.1% increases across 11 different insurers.

The Michigan Department of Insurance and Financial Services has opened these proposals for public comment, but for many employers and employees, commenting may feel like shouting into the wind.

As WXYZ reports, these proposed increases represent more than just numbers on a page, they're a continuation of the healthcare cost spiral that has forced employers into an exhausting cycle of shopping carriers annually, raising deductibles, and shifting more costs to employees.

The Real Cost of Status Quo Thinking

While other states face similar challenges, Michigan employers now have a choice: accept another year of increased costs and reduced benefits, or explore alternatives that address the root causes of healthcare expense. The traditional approach of managing costs through higher deductibles and copays simply pushes financial burden onto employees without addressing why healthcare costs continue to climb.

A Different Approach to Rising Costs

Employers are looking beyond traditional carriers to solutions that focus on informed decision-making rather than cost-shifting. SymplCare represents this approach, connecting employees with healthcare guides who help navigate the system before problems become expensive.

What SymplCare offers:

• Proactive outreach to employees who need guidance most

• Cost and quality comparisons before appointments

• Direct access to care alternatives at $0 employee cost

  
  

When employees understand the true cost and quality differences between providers, they naturally make decisions that benefit both their health and their employer's bottom line. The result is more predictable premiums and often $0 out-of-pocket costs for employees who engage with the guidance process.

Making the Choice

For employers facing another round of double-digit premium increases, you can’t continue with approaches that haven't solved the underlying problem.

While public comments on rate filings are important, choosing a benefit plan that actually addresses the healthcare cost drivers is what will move the needle.