MedChi Opposes UnitedHealthcare Mid-Year Premium Increase Request

MedChi, The Maryland State Medical Society, has formally urged the Maryland Insurance Administration to reject requested mid-year 2026 premium increases submitted by UnitedHealthcare for Maryland’s small group insurance market, citing concerns over affordability, access to care, and continued strain on Maryland patients and physicians.

In a letter sent to Maryland Insurance Commissioner Marie Grant, MedChi expressed strong opposition to the proposed increases, which would impact more than 26,000 Marylanders enrolled in affected plans.

The letter highlighted UnitedHealthcare’s strong financial performance, including first-quarter 2026 revenues exceeding projections and increased earnings guidance for the year. The organization also pointed to a declining medical benefit ratio with insurers spending less on patient care while collecting higher premiums.

MedChi and physicians alike are equally concerned the requested increases will contribute to delays and denials of medically necessary care. We urged the Maryland Insurance Administration to fully consider the cumulative impact these proposed increases would have on consumers, physician practices, and the overall sustainability of Maryland’s healthcare system.

"Maryland families should not be forced to shoulder the burden of excessive premium increases while large insurance corporations continue reporting soaring profits,” Eric Wargotz, M.D., FCAP, MedChi President said. “Patients are already struggling with rising healthcare costs, delayed care, and increasing barriers to treatment. Approving these rate hikes would only worsen access and affordability for Marylanders.”

Gene M. Ransom III

CEO

MedChi, The Maryland State Medical Society