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Why More Employers Are Moving Away From Traditional Group Health Insurance

Small-business team of four colleagues in business attire talking and smiling in an office hallway while one holds a clipboard

mployer health plan costs are rising at the fastest pace in about 15 years, and more businesses are rethinking the traditional group plan. Learn what Bloomberg found about the rise of HRAs, how ICHRA and QSEHRA work, and what it all means for small-business owners, 1099 workers, and their employees.

If you’ve just lost your job, cut back your hours, or aged off a parent’s or spouse’s plan, you’re probably staring at a stack of paperwork with one big question: should you keep your old employer’s health plan through COBRA, or shop for a private health insurance plan on your own? In 2026, that decision…