Small group · Plan year 2027
Small Group Health Plans Directory: Small Business Health Insurance by State
Plain-language guides to each state's 2027 small-group market for employers with 1 to 50 employees: which carriers sell there, what they filed, and what it costs per employee.
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Small group health insurance guides by state
Texas
5 carriers, 27 rating areas. Proposed 2027 changes of +14.3% to +19.2%.
Florida
8 carriers, 67 rating areas. Proposed 2027 changes of +8.4% to +15.5%.
Alabama
4 carriers, 13 rating areas. Proposed 2027 changes of +7.2% to +17.8%.
Tennessee
3 carriers, 8 rating areas. Approved 2027 changes of +10.6% to +16.9%.
Georgia
6 carriers, 16 rating areas. Proposed 2027 changes of +6.0% to +19.6%.
Michigan
8 carriers, 16 rating areas. Approved 2027 changes of +7.0% to +14.8%.
North Carolina
3 carriers, 16 rating areas. Proposed 2027 changes of +18.8% to +20.9%.
Maryland
8 carriers, 4 rating areas. Approved 2027 changes of +3.1% to +11.7%.
Virginia
11 carriers, 12 rating areas. Approved 2027 changes of +7.6% to +20.6%.
Louisiana
4 carriers, 8 rating areas. Proposed 2027 changes of +10.6% to +20.2%.
Mississippi
2 carriers, 6 rating areas. Proposed 2027 changes of +2.4% to +17.8%.
South Carolina
5 carriers, 46 rating areas. Proposed 2027 changes of +6.0% to +11.5%.
Arkansas
5 carriers, 7 rating areas. Proposed 2027 changes of +7.0% to +11.7%.
Arizona
9 carriers, 7 rating areas. Proposed 2027 changes of +10.3% to +34.5%.
How to compare small group health plans
Each guide lists the carriers that filed 2027 small-group rates, what they proposed, and prices by region.
Carriers leave, plans end and rates move every year. Start with the changes before your renewal.
Carrier pages list every 2027 plan design with its filed monthly rate, plus the filing behind it.
Your price depends on your employees' ages, your location and your contribution. A broker quotes all carriers at once.
Buying for yourself or your family? See the Marketplace plan directory.
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is a licensed broker, not a carrier or government agency. Rates are filed 2027 small-group rates before the employer contribution; proposed changes can still be lowered by regulators.