<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=314834185700910&amp;ev=PageView&amp;noscript=1">

New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

Learn More

Largest Increase Ever From Top Insurers. Will APi Group Employees Be Affected?

image-table

Healthcare Provider Update: Healthcare Provider for APi Group APi Group employs a comprehensive approach to employee benefits, which includes providing healthcare coverage through various plans typically managed by major national insurers such as UnitedHealthcare, Cigna, and Anthem. The specific policies may vary based on the needs of the employees and the locations of service, but this collaboration ensures that its workforce has access to a range of healthcare options. Potential Healthcare Cost Increases in 2026 As we approach 2026, healthcare costs are projected to surge significantly, primarily driven by a perfect storm of factors. With medical costs expected to rise by approximately 8.5% for group plans and 7.5% for individual plans, employers and enrollees alike may feel the financial strain. The anticipated impacts of expiring federal subsidies for the Affordable Care Act could lead to more than 22 million enrollees facing out-of-pocket premium increases as high as 75%. Concurrently, health insurers are implementing aggressive rate hikes, further compounding the challenges posed to consumers already grappling with rising medical expenses. Click here to learn more

'With ACA premiums expected to rise in 2026, APi Group employees should compare marketplace and employer-related options early, model net costs with and without current subsidies, and coordinate with HR and a qualified tax professional for decisions suited to their situation.' — Patrick Ray, a representative of The Retirement Group, a division of Wealth Enhancement.

'With ACA marketplace premiums expected to climb in 2026, APi Group employees should compare employer and marketplace options early, estimate net costs under both current and lapsed subsidy scenarios, and coordinate with HR and a qualified tax professional to align coverage with their budget.' — Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

  • In this article we will discuss:

    1. The expected premium increases for ACA marketplace plans in 2026 and their potential impact on APi Group employees and retirees.

    2. The major national insurers and states with the largest requested rate hikes.

    3. The primary economic, legislative, and industry factors driving these increases.

    In 2026, health insurance rates for plans purchased through the Affordable Care Act (ACA) marketplace are  expected  to surge, with several insurers requesting increases exceeding 60%. 1  For APi Group employees and retirees using ACA coverage, this could mean a substantial rise in health care costs. State insurance filings and industry publications point to higher medical expenses, the potential end of enhanced federal premium subsidies, and significant rate-hike proposals from major insurers as key drivers of the increase.

    According to KFF’s analyses, the vast majority of marketplace enrollees receive premium tax credits, and if the enhanced credits expire after 2025, average out-of-pocket premium payments for subsidized enrollees could rise by more than 75% in 2026. 1  As of January 2025, 24.2 million people selected 2025 marketplace coverage, 2  and about 93% of marketplace enrollees rely on premium tax credits. 3  KFF also reports that requested premium increases for 2026 are the largest in years, with most proposals falling between roughly 12% and 27% and a median of 18% across reviewed filings. 4

    Top 10 States With the Largest Requested Premium Increases for 2026:

    • New York:  UnitedHealthcare requesting up to  +66.4%  (individual market).

    • Arkansas:  QualChoice  +54.4% , Ambetter (Celtic)  +42.5% , statewide average  +36.1% .

    • Colorado:  Western Slope  ~+38.8% ; statewide average  +28.4% . Rocky Mountain HMO  +36.4% , Cigna  +29.4% , Anthem  +33.6% , Kaiser  +15.3% .

    • Florida:  Molina  ~+41% , Florida Blue  +27% , Centene Venture  +18.73%

    • Maine:  Anthem (revised)  +24.8% ; statewide weighted average  +25.9% .

    • Washington:   14  insurers; requested average  +21.2% .

    • Vermont:  BCBS Vermont  +23.3%

    • Maryland:  Requested statewide average  +17.1%  (individual market).

    • Illinois:  BCBS Illinois  +27%

    • Texas:  BCBS Texas  +21% .

    Major National Insurers and Their 2026 Requests:

    • UnitedHealthcare (UnitedHealth Group):  Up to  +66.4%  in New York.

    • Elevance Health (Anthem BCBS):   +33.6%  in Colorado;  +24.8%  in Maine. 

    • Kaiser Permanente:   +15.3%  in Colorado (individual market). 

    • Centene Corporation (Ambetter/Celtic):   +42.5%  in Arkansas;  +18.73%  in Florida.

    • Cigna Healthcare:   +29.4%  in Colorado. 

    • Molina Healthcare:   ~41%  in Florida.

    • HCSC (BCBS IL, TX):   +27%  in Illinois;  +21%  in Texas. 

    • GuideWell (Florida Blue):   +27%  in Florida. 

    • CareFirst BlueCross BlueShield:  Maryland requested statewide average  +17.1% .

    • CVS Health/Aetna:  Withdrawing ACA marketplace plans in  17 states  in 2026, affecting  ~1 million  members.

    Key Factors Driving the Increases:

    • Loss of Enhanced Premium Subsidies:  The American Rescue Plan and Inflation Reduction Act extended ACA subsidies through 2025. Without renewal, subsidized enrollees could see sharp increases in monthly premiums beginning in 2026 (KFF estimates more than a 75% jump in average out-of-pocket premiums for subsidized enrollees if the enhancements lapse). 1

    • Medical Cost Inflation:  Leading consultancies report elevated medical cost trends heading into 2026—about 7.5% in the individual market and 8.5% in the group market 5 —driven by hospital/physician services and prescription drugs.

    • Regulatory Shifts:  Market rules and state laws have influenced filings. For example, analysts note federal policy changes (e.g., the Marketplace Integrity rule) as a factor cited in filings, adding operational uncertainty for vertically integrated insurers/PBMs.

Featured Video

Articles you may find interesting:

Loading...

Sources:

1. KFF, Health System Tracker. ' How much and why ACA Marketplace premiums are going up in 2026 ,' by J. Ortaliza, M. McGough, K. Vu, I. Telesford, S. Rakshit, E. Wager, L. Cotter, C. Cox. 6 Aug. 2026. 

2. CMS.gov. ' Over 24 Million Consumers Selected Affordable Health Coverage in ACA Marketplace for 2025 .' 17 Jan. 2025.

3. The Commonwealth Fund. ' Proposed Rule Will Make Consumers Pay More for Health Insurance and Care in ACA Marketplaces ,' by Sara Collins. 7 May 2025.

4. Fierce Healthcare. ' KFF Analysis finds a median ACA premium hike of 18% for 2026 ,' by Paige Minemyer. 8 Aug. 2025.

5. PwC Health Research Institute.  Medical Cost Trend: Behind the Numbers 2026 PwC , 16 July 2025,  https://www.pwc.com/us/en/industries/health-industries/library/behind-the-numbers.html .

Other reources:

1. New York State Department of Financial Services. “Summary of 2026 Requested Rate Actions.”  DFS Portal , 2 June 2025,  https://myportal.dfs.ny.gov/web/prior-approval/ind-and-sg-medical/summary-of-2026-requested-rate-actions .

2. Centers for Medicare & Medicaid Services (CMS).  Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability  (Final Rule). 18 June 2025, PDF,  https://www.cms.gov/files/document/cms-9884-f-2025-pi-rule-master-5cr-062025.pdf .

3. Minemyer, Paige. “Aetna to Exit the ACA Exchanges in 2026.”  Fierce Healthcare , 1 May 2025,  https://www.fiercehealthcare.com/payers/aetna-exit-aca-exchanges-2026 .
Pages/Sections referenced:  Article body noting ~1 million exchange members and the 2026 exit (single web page; n. pag.).

What type of retirement plan does APi Group offer to its employees?

APi Group offers a 401(k) retirement plan to its employees.

Does APi Group match employee contributions to the 401(k) plan?

Yes, APi Group provides a matching contribution to the 401(k) plan, subject to certain limits.

At what age can employees of APi Group start participating in the 401(k) plan?

Employees of APi Group can start participating in the 401(k) plan as soon as they meet the eligibility requirements, typically after 30 days of employment.

How can employees of APi Group enroll in the 401(k) plan?

Employees can enroll in the APi Group 401(k) plan by completing the enrollment process through the company’s benefits portal.

What investment options are available in the APi Group 401(k) plan?

The APi Group 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

Can employees of APi Group change their contribution percentage to the 401(k) plan?

Yes, employees can change their contribution percentage to the APi Group 401(k) plan at any time, subject to plan rules.

Is there a vesting schedule for the employer match in the APi Group 401(k) plan?

Yes, APi Group has a vesting schedule for the employer match, which means employees must work for the company for a certain period to fully own the matched contributions.

What happens to the 401(k) plan if an employee leaves APi Group?

If an employee leaves APi Group, they can choose to roll over their 401(k) balance to another retirement account or take a distribution, subject to tax implications.

Are there any loan provisions available in the APi Group 401(k) plan?

Yes, the APi Group 401(k) plan may allow employees to take loans against their vested balance, subject to plan rules.

How often can employees of APi Group review their 401(k) account statements?

Employees can review their APi Group 401(k) account statements quarterly through the benefits portal.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
News: APi Group recently announced a significant restructuring plan, including a reduction in workforce as part of its strategy to streamline operations. Important: This restructuring is crucial to address due to the current economic climate, which pressures companies to optimize their cost structures amid fluctuating market conditions. Additionally, understanding these changes is vital for stakeholders to navigate the evolving investment landscape and potential impacts on retirement benefits.
New call-to-action

Additional Articles

Check Out Articles for APi Group employees

Loading...

For more information you can reach the plan administrator for APi Group at 1100 Old Highway 8 NW New Brighton, MN 55112; or by calling them at (651) 636-4320.

*Please see disclaimer for more information

Relevant Articles

Check Out Articles for APi Group employees