In anticipation of next year's premium announcements and given some information already made public, concerns have surfaced about the potential for double-digit percent increases in nongroup and small-group health insurance premiums. This analysis shows that, although average annual increases in small-group premiums over the past 13 years averaged roughly 5.5 percent, double-digit average premium increases are common for states and large metropolitan areas. Large increases in one year are frequently followed by much smaller increases, or even decreases. This may be especially true as insurers and purchasers navigate the ACA's new insurance environment, moving toward a more stable equilibrium.