Final Post For Today...

I received the following email from someone regarding small group insurance policies out of Minnesota (emphasis mine):

Maybe not useful to you, but an insurance agent in MN told me he just got quotes for his first three 2015 group coverage renewals: -7.5%, -2.5%, -7.5%.

He's slightly shocked.

I asked if he could provide some further details; so far this is as much as he's able to add:

...He's rural, so those are likely group plans for small businesses, maybe a small school system.  Recent changes have been +8-24%,  so this is a gigantic change.