Cost Guides

What group health actually costs a small employer, what moves the number, and which parts of it you control.

• Does Your County Change What You Pay in Colorado

  Colorado lets a small group rate vary by geographic rating area, and those areas are drawn on whole counties. What your county does and does not decide.

• Does Your County Change What You Pay in Illinois

  Illinois builds all 13 small-group rating areas from whole counties, and your business address — not where employees live — decides which one applies.

• Does Your County Change What You Pay in Indiana

  Indiana’s small-group rating areas are drawn on county lines, and the federal rule reads one address — your principal business address — to pick yours.

• Does Your County Change What You Pay in Kentucky

  Kentucky draws its group health rating areas on county lines, and federal rule reads a small group’s area off the employer’s principal business address.

• Does Your County Change What You Pay in Florida

  Florida has 67 rating areas and 67 counties, one each. How your county sets your rating geography, and why the Keys are not the exception you expect.

• Does Your County Change What You Pay in Ohio

  Ohio draws its small-group rating areas on county lines, and your principal business address is what puts your group in one. Here is how that works.

• Does Your County Change What You Pay in Tennessee

  Tennessee builds its small-group rating areas out of counties. How the county rule works, which address decides it, and the city the line runs through.

• Does Your County Change What You Pay in South Carolina

  South Carolina draws one rating area per county — all 46 of them. Which county counts, why four big markets span several, and what the rule actually says.

• Does Your County Change What You Pay in Texas

  Texas rating areas are drawn on counties, and the area follows your principal business address — not the city on your letterhead.

• How Much Does Group Health Insurance Cost in Colorado

  The one published Colorado small-group average, the three qualifiers attached to it, and why a survey figure is not a quote for your own group.

• How Much Does Group Health Insurance Cost in Florida

  What the federal MEPS-IC survey publishes for Florida small firms, what those figures are not, and the Florida rules that decide how a rate is built.

• How Much Does Group Health Insurance Cost in Illinois

  The one survey figure published for Illinois small-firm coverage, the three qualifiers it carries, and the closed list of factors that set a real rate.

• How Much Does Group Health Insurance Cost in Indiana

  The Indiana figures that exist, read with the qualifiers their publisher attached, and the four factors a small-group rate is allowed to vary on.

• How Much Does Group Health Insurance Cost in Kentucky

  What the federal MEPS-IC survey publishes for Kentucky small-firm coverage, what those averages leave out, and what a small-group rate may vary on.

• How Much Does Group Health Insurance Cost in Ohio

  What the federal survey publishes for Ohio small firms, what that average does not mean, and why no honest source prices your own group in advance.

• How Much Does Group Health Insurance Cost in South Carolina

  What the federal employer survey publishes for South Carolina small firms, what each figure does not mean, and how the state’s rating machinery works.

• How Much Does Group Health Insurance Cost in Tennessee

  What the 2025 federal survey reports for Tennessee small firms, the qualifiers those figures carry, and the closed list a Tennessee rate can move on.

• How Much Does Group Health Insurance Cost in Texas

  The only published Texas small-group premium average, what it is conditioned on, and why a survey figure is never a quote for your business.

• How Much of the Premium Does an Employer Pay in Colorado

  Colorado’s published survey data reports the employee share of a small group premium. What that leaves the employer, and who actually sets the split.

• How Much of the Premium Does an Employer Pay in Florida

  No source publishes a Florida employer share. The federal survey measures the employee side — here is what it reports, and what sets the split.

• How Much of the Premium Does an Employer Pay in Illinois

  The federal survey that measures Illinois small-group coverage reports the employee side and no employer share. Here is what it does publish, and why.

• How Much of the Premium Does an Employer Pay in Indiana

  What Indiana employers pay toward a group health premium, what the federal survey actually publishes for the state, and who sets the requirement.

• How Much of the Premium Does an Employer Pay in Kentucky

  Kentucky law leaves the employer share to the insurer. What the Insurance Code actually sets, where contribution appears by name, and what to ask.

• How Much of the Premium Does an Employer Pay in Ohio

  What MEPS-IC actually publishes about the employer and employee split in Ohio small groups, and why no employer share appears here.

• How Much of the Premium Does an Employer Pay in South Carolina

  The federal survey that publishes South Carolina reports the employee side of the premium and never the employer side. Here is what it does say, and why.

• How Much of the Premium Does an Employer Pay in Tennessee

  No published source reports an employer share for Tennessee small groups. Here is what the federal survey does report, and what sets a contribution.

• How Much of the Premium Does an Employer Pay in Texas

  Texas employers pay what employees do not. The federal survey publishes the employee side of the split only, and Texas law leaves the share to the issuer.

• Who Approves a Rate Before You See It in Tennessee

  Two reviewers see a Tennessee small-group rate before you do: the Insurance Division approves the filing, and CMS runs the federal ACA review.

• Why Did Our Group Health Renewal Go Up in Colorado

  Colorado small group rates are filed with the commissioner before they are charged, and reviewed against standards the statute names. What that means.

• Why Did Our Group Health Renewal Go Up in Illinois

  An Illinois small-group renewal can only move on four federal factors, and your group shares one risk pool with every other small group at your issuer.

• Why Did Our Group Health Renewal Go Up in Florida

  Florida holds a small-employer rate for 12 months, so a renewal increase is a renewal-date event. Here is what the statute lets a carrier move, and when.

• Why Did Our Group Health Renewal Go Up in Indiana

  An Indiana group health renewal arrives as one percentage built from separate parts. Here is what sits under it, and which parts are still yours to move.

• Why Did Our Group Health Renewal Go Up in Kentucky

  What a Kentucky group health renewal is built from: the twelve-month rate guarantee, the filed rate behind it, and a closed list of rating factors.

• Why Did Our Group Health Renewal Go Up in Ohio

  Ohio adds no rating variation of its own. What federal rule lets a small-group rate move on, and what your carrier has to disclose about changing it.

• Why Did Our Group Health Renewal Go Up in South Carolina

  A South Carolina small-group renewal increase is a sum of three named components under § 38-71-940(A)(3), each separately constrained. Here is each one.

• Why Did Our Group Health Renewal Go Up in Tennessee

  Tennessee’s rate-filing rule makes a carrier explain a revised premium item by item. Here is that list, and the two reviews behind a renewal.

• Why Did Our Group Health Renewal Go Up in Texas

  What federal rating rules, the CMS composite-premium register and survey methodology can and cannot tell a Texas employer about a renewal increase.

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