Healthcare Cost Control & Small Business Insurance Fairness—Feels Like It’s Now or Never
By Jon Hurst, President & CEO
At the Annual Meeting of the Retailers Association of Massachusetts (RAM) last November, Governor Maura Healey said the following to rousing applause: “I know one of the real concerns is the cost of health insurance. I want to work with you all on actually doing something about that.”
As the 2025-2026 Legislative Sessions gets more active; and as the Division of Insurance begins rate hearings on the 2026 small business health insurance rates, it’s now time for action. RAM members saw an average premium increase of 11% in 2025, and that is on top of increases which averaged in double digits each year over the past two decades. Small employers are seeing premium increases which are 2-3 times the increases of the inflation rates, the state buying group (Group Insurance Commission), the Health Policy Commission state Benchmark (currently 3.6%).