华盛顿州批准9家保险公司2027年卖小企业医保：平均获批涨幅16.7%，申请涨幅16.5%
华盛顿州保险局长办公室10月29日发布消息说，9家保险公司已获批在2027年向华盛顿州小企业出售团体健康保险，雇主可以从这9家公司中为员工选购医保。这9家公司申请的平均涨幅是16.5%，该局在按各公司财务预测做精算审查后，核定的平均涨幅是16.7%。
这9家公司2026年也都在卖小企业团体医保，面向的是员工少于50人的企业，这类企业在法律上并不被强制要求为员工提供医保。保险局长 Patty Kuderer 说：「尽管有涨价，小企业主能有这么多选择仍是一个积极信号。我们州的市场有竞争，但医疗成本问题在全国层面需要更大规模的解决办法。」该局表示，涨价的主要推手是医疗基础成本上升，保险公司定价时还要估算未来承保人数、年龄与健康状况，以及医疗服务成本的涨幅；法律要求局长在保险公司能证明涨幅合理时予以批准。
从该局公布的费率表看，获批涨幅与影响人数差别很大：Regence BlueShield 获批涨17.2%、影响80,367人，是影响面最大的一家；Premera Blue Cross 获批涨20.3%、影响55,711人；UnitedHealthcare 获批涨21.6%、影响12,061人；Kaiser Foundation Health Plan of WA 获批涨6.9%、影响13,017人，在各家中相对温和。
全国层面的数字同样不轻松。该局引述 KFF 年度雇主医保调查说，员工个人为自己那份保费平均一年要付1,672美元，比去年的1,408美元涨了15.8%；家庭保费中员工承担的部分平均7,471美元、涨9%；把雇主承担的部分算进去，家庭医保总保费平均一年28,303美元，比2025年涨5%。小企业主在年底续保前，可以按县查询9家公司各自在本地卖哪些计划再比价。（来源：华盛顿州保险局长办公室）
Washington Approves Nine Insurers to Sell 2027 Small-Business Health Plans, With an Average Approved Increase of 16.7 Percent
The Washington State Office of the Insurance Commissioner said in an October 29, 2026 release that nine insurance companies have been approved to sell group health insurance to Washington small businesses for coverage in 2027. The nine insurers requested an average rate increase of 16.5 percent, and the office approved an average increase of 16.7 percent, based on an actuarial review of each company's financial projections.
All nine insurers also sold small-group health plans for 2026. The plans are available to businesses with fewer than 50 employees, which are not legally required to offer health benefits. "Despite the increase, it's a positive sign that these small business owners have so many options for providing insurance for their employees," Insurance Commissioner Patty Kuderer said. "Our state has a competitive market, though as a country we need a more large-scale solution to address healthcare costs." The office said most of the proposed increase is due to the rising basic cost of health care, and that the commissioner is required by law to approve increases insurers can prove are justified.
The approved changes vary widely by company. Regence BlueShield was approved for a 17.2 percent increase affecting 80,367 people, the largest group; Premera Blue Cross was approved for 20.3 percent affecting 55,711 people; UnitedHealthcare was approved for 21.6 percent affecting 12,061 people; and Kaiser Foundation Health Plan of Washington was approved for 6.9 percent affecting 13,017 people, among the mildest in the table.
National figures are no gentler. Citing KFF's annual health benefits survey, the office noted that the average annual premium cost borne by an individual employee is $1,672, up 15.8 percent from $1,408 last year; the employee share for family coverage averages $7,471, up 9 percent; and total annual premiums for family coverage, including the employer's share, now average $28,303, a 5 percent increase from 2025. Small employers renewing for 2027 can compare which of the nine insurers sell plans in their county before deciding. (Source: Washington State Office of the Insurance Commissioner)
来源：华盛顿州保险局长办公室
发布：GSM·美国（发布链接）
图片来源：图：位于 Olympia 的华盛顿州议会大厦航拍，州保险局长办公室在此核定小企业医保费率。Wikimedia Commons 图片（CC BY 4.0）。 / Photo: An aerial view of the Washington State Capitol in Olympia, where the state insurance commissioner's office approved small-business health plan rates. Image via Wikimedia Commons (CC BY 4.0).
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