Overview

• Carriers have informed state regulators that imported medical goods tariffs are prompting them to raise 2026 individual and small group plan premiums
• Independent Health Benefits Corporation intends to boost its individual market rates by 38.4% next year, attributing roughly three percentage points of the hike to tariffs
• UnitedHealthcare of Oregon forecasts a 19.8% premium increase for small groups with nearly three percent tied directly to tariff-driven cost projections
• Some insurers, including Kaiser Foundation Health of the Northwest, are still assessing tariff impacts and have not incorporated them into their current rate filings
• Insurers face uncertainty without historical data on tariff effects and must submit final ACA marketplace rates by July 16 and proposed rates by August 1, after which state regulators can contest their cost assumptions