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Blue Cross VT base administrative charges are increasing as compared to the 2025 approved rates, mostly due to inflationary pressures (see section 3.8.7), increasing premiums by 0.2 percent for individuals and 0.4 percent for small groups. Blue Cross Blue Shield of Vermont (Vermont) Labor costs, contracting, and provider consolidation A number of insurers also cite healthcare labor costs driven by persistent clinical workforce shortages and broader inflation as a meaningful contributor to rising healthcare costs and 2026 premium increases