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Largest Increase Ever From Top Insurers. Will Dun & Bradstreet Holdings Employees Be Affected?

August 14, 2025
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How Oil Volatility Affects Your Dun & Bradstreet Holdings Retirement

The sustained volatility in crude oil markets, with prices ranging from $50 to $120 and annualized swings near 80%, creates economic effects that extend far beyond energy companies. Persistent oil volatility creates a macro backdrop of uncertainty that affects corporate planning, consumer confidence, and investment returns across all sectors. For Dun & Bradstreet Holdings employees, this environment means that energy holdings within 401(k) index funds, inflation-adjusted benefit calculations, and even real estate values can shift with crude price movements. For Dun & Bradstreet Holdings employees focused on long-term financial health, periods of oil-driven economic volatility reinforce the value of diversified strategies that account for how energy markets influence the broader investment landscape. In this environment, a financial advisor can help you assess your exposure to oil-driven economic effects and build appropriately diversified strategies.

'With ACA premiums expected to rise in 2026, Dun & Bradstreet Holdings 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, Dun & Bradstreet Holdings 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 Dun & Bradstreet Holdings 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 Dun & Bradstreet Holdings 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 2026, average out-of-pocket premium payments for subsidized enrollees could rise by more than 75% in 2026. 1  As of January 2026, 24.2 million people selected 2026 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 2026. 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.

Dividing retirement assets in a QDRO proceeding requires a clear understanding of what Dun & Bradstreet Holdings offers through its benefit programs. Without a traditional pension, your 401(k) - alongside Social Security - forms the foundation of your retirement income at Dun & Bradstreet Holdings. Dun & Bradstreet Holdings may offer a 401(k) employer match - review your Summary Plan Description for current match rate and vesting details. Your overall withdrawal strategy, account sequence, and Roth conversion opportunities leading up to and into retirement deserve careful, personalized analysis given the income-sequencing implications.

Regarding medical coverage, Dun & Bradstreet Holdings does not offer continued medical coverage to retirees, which means coverage through the company ends when employment does. Planning for the cost of health insurance during any gap between your retirement date and Medicare eligibility at age 65 is a critical step - marketplace coverage, COBRA continuation, or a spouse's employer plan are common options. Building an accurate estimate of bridge-coverage costs into your retirement income projection prevents underestimating one of the largest variable expenses retirees face. Aligning your Dun & Bradstreet Holdings benefits with a well-structured retirement income plan helps you see exactly how every piece fits together.

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 2026 .' 17 Jan. 2026.

3. The Commonwealth Fund. ' Proposed Rule Will Make Consumers Pay More for Health Insurance and Care in ACA Marketplaces ,' by Sara Collins. 7 May 2026.

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

5. PwC Health Research Institute.  Medical Cost Trend: Behind the Numbers 2026 .  PwC , 16 July 2026,  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 2026,  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 2026, PDF,  https://www.cms.gov/files/document/cms-9884-f-2026-pi-rule-master-5cr-062025.pdf .

3. Minemyer, Paige. “Aetna to Exit the ACA Exchanges in 2026.”  Fierce Healthcare , 1 May 2026,  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.).

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Dun & Bradstreet Holdings offers its employees both a pension plan and a 401(k) plan. The pension plan, referred to as the Dun & Bradstreet Retirement Account, is based on credited service and compensation earned prior to the freeze date of July 1, 2007. This plan follows a traditional defined benefit structure, with benefits calculated using years of service and final average pay. The retirement plan's normal retirement age is typically 65, though employees may become eligible for early retirement based on age and years of service. Participants in the pension plan have access to their benefits at age 59½ with applicable reductions. Dun & Bradstreet employees who were part of the pension plan before July 1, 2007, continue to accrue benefits under this plan​ (Aon). The company also provides a 401(k) plan known as the Dun & Bradstreet 401(k) Plan, administered by Fidelity. Employees can contribute between 1% to 75% of their annual compensation as regular or catch-up contributions. The company matches contributions up to 7%, although the match percentage varies by employee and is subject to the IRS contribution limits. Eligibility for participation in the 401(k) plan typically requires employees to be at least 21 years old and to have completed at least 1,000 hours of service within a calendar year. The 401(k) plan is flexible, allowing employees to choose between traditional pre-tax contributions and Roth post-tax contributions​
Restructuring and Layoffs: Dun & Bradstreet Holdings has been undertaking a significant restructuring plan to streamline its operations and enhance efficiency. In late 2023, the company announced a reduction in its workforce as part of this initiative. This move is aimed at consolidating its global operations and focusing on core business areas. Given the current economic and investment environment, including fluctuations in market performance and evolving tax policies, it is crucial for employees and stakeholders to stay informed about such changes. Understanding these developments can help in making informed decisions about career and investments.
Dun & Bradstreet Holdings offers stock options and RSUs as part of its employee compensation package. Stock options typically provide employees the right to purchase shares at a set price, while RSUs are granted as company shares without a purchase requirement. According to the 2022 10-K filing, stock options and RSUs are awarded to key employees, executives, and directors based on performance and tenure
Dun & Bradstreet Holdings offers comprehensive health benefits to its employees, designed to support their well-being and work-life balance. The company's healthcare benefits include a variety of health plans such as PPOs and high-deductible health plans (HDHPs) with Health Savings Accounts (HSAs). They also provide access to dental, vision, and mental health services. Key healthcare-related terms and acronyms used by the company include: HDHP: High-Deductible Health Plan, allowing employees to pay lower premiums with higher out-of-pocket costs. HSA: Health Savings Account, available for employees enrolled in HDHPs, allowing them to save money pre-tax for medical expenses. EAP: Employee Assistance Program, providing confidential support for employees dealing with personal or work-related issues, including mental health resources. Dun & Bradstreet also encourages a holistic approach to wellness through its Wellness Program, offering employees resources and tools to maintain physical and mental health. In recent years, the company has expanded its telehealth options, allowing employees to access healthcare providers virtually, which gained prominence during the COVID-19 pandemic
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For more information you can reach the plan administrator for Dun & Bradstreet Holdings at 103 JFK Pkwy Short Hills, NJ 7078; or by calling them at (800) 526-9018.

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