Here is an article for HR folks about increases in premiums.

Look at the graph based on Dept of Labor statistics showing the increases in total insurance costs. The premiums had a huge spike around 2000, and then dropped substantially and regularly after the ACA (Obamacare) was passed. Even now, premium increases are out paced by inflation. And that’s not considering the added costs to health care with an aging population. The Boomers are getting older and sicker. So, premiums HAVE GONE DOWN since the same law was instituted for health care. Why would it be different for a voluntary insurance that most people wouldn’t need if the premiums got higher than preventative care cost. Please… show me