You could face higher health insurance premiums next year

Experts say there’s no single, across-the-board increase, but increases are likely for many people on employer-sponsored health insurance plans next year.

If you’re among the roughly 165 million Americans who get your health coverage through work, not the government, you might be wondering: Is my plan next, now that health insurance premiums for Affordable Care Act plans are set to rise next year?

Experts say there’s no single, across-the-board increase, but increases are likely for many people on employer-sponsored plans. And even if your monthly premium stays the same, you could still end up paying more through higher deductibles or copays.

“Last year, health insurance premiums went up. This year, they went up. And next year, they’ll go up,” said Dr. Kevin Schulman, a professor of medicine at the Stanford University School of Medicine who researches employer-based health insurance.

Have you gotten a notice about health insurance premium hikes for next year? Whether you receive benefits from the Affordable Care Act or private insurance from your employer, we’d like to hear from you. Please contact us at tips@nbcuni.com or reach out to us here.

Unlike ACA plans, in which insurers publicly file proposed rate increases with states and federal regulators, employers often negotiate plans with insurers privately, said Gary Claxton, director of the Program on the Health Care Marketplace at KFF, a health policy research group. That means your premium increase might not be apparent until open enrollment.