Post a Fair Price...Not an Inflated Premium

Fourteen Percent Is the Insurance

KFF just counted the asks. Nearly 300 small-group insurers, every state, median proposed increase for 2027: 14 percent.

That is the number a Wichita shop with forty people is going to see on a renewal letter. Not because we got 14 percent better at a sore throat. Insurers told the states the usual story (hospital prices, physician fees, drugs, more utilization). Underneath that, the fully insured small-group pool has already shrunk from about 17 million people to about 10 million. Healthier groups leave. The ones who stay pay for the leaving.

I am not anti-insurance. I am anti using insurance for the work we do here. Primary care is a monthly relationship, not a claim. When a Kansas employer buys a 14 percent raise on a product that still makes the employee wait six weeks and then surprise-bills the deductible, they did not buy more health care. They bought more health insurance.

We take care of patients for a flat fee. No prior auth. No claim form. If you keep a policy, keep it for the wreck. The everyday stuff is cheaper when it never touches a payer.

Fourteen percent is a price. It is not a doctor.