How much do California group health insurance rates go up every year?

The trend, due to advances in healthcare and economic factors, is for medical insurance coverage to increase 3-12% each year. Small groups that are extra healthy and businesses that use their care excessively may receive additional discounts or increases of up to 10%. Many employers use cost sharing to place some responsibility on their employees and discourage over-use of healthcare. Employers may contribute as much as they wish to their employees' premiums, but they are only required to pay 50% of the cost for the least expensive employee-only plan for the lowest age band of their small business health insurance. California groups who wish to add dental coverage are not required to contribute toward the dental premium.