Insurance premiums rose 9% for 2025 employer plans. Who gained most?

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Insurance companies collected 9% more premium dollars in 2024 from employer plans. Even when employers shift costs to workers through higher deductibles, total premiums paid to insurers still rise—insurers just process fewer small claims because workers avoid care. UnitedHealth, Cigna, and Aetna reported double-digit profit growth in 2024, driven partly by employer premium increases outpacing their medical claims payouts.

Insurance premiums rose 9% for 2025 employer plans. Who gained most?

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