Laya Healthcare Announces Third Premium Increase in Twelve Months

Laya Healthcare, one of Ireland’s leading health insurers, is set to increase premiums for 65 of its plans by an average of 4.7% starting April 1st, 2026. This marks the third price hike in the space of a year, impacting over 700,000 customers [RTE].

Details of the Price Increases

The average increase equates to approximately €80 per adult annually [RTE], [Roscommon Herald]. However, some plans may see increases of up to 9% [RTE].

Laya stated that the increases reflect rising healthcare costs [RTE]. Approximately one-third of Laya’s plans will remain unchanged or see a reduction in price, including rates for children and young adults [Roscommon Herald].

Impact on Policyholders and Plan Changes

Sixteen older plans are being retired, but Laya has assured policyholders that they will be mapped to suitable alternative plans at renewal [RTE]. However, the Health Insurance Authority (HIA) clarified that policyholders are not obligated to accept the replacement plan offered and are free to choose any plan available on the market [RTE].

Previous Price Increases

This latest increase follows previous hikes of 4.5% in October 2025, and 6.6% in April 2025 [RTE]. Dermot Goode, Director of Health Insurance Ireland, estimates the current increase could cost individuals between €62 and €217 annually, depending on their plan, and families an additional €148-€203 per year [RTE].

Industry-Wide Trend

Laya’s price increases are part of a broader trend within the Irish health insurance market, with Vhi, Irish Life Health, and Level Health as well announcing premium increases earlier in the year [RTE].

Brian Lee, chief executive of the HIA, emphasized the importance of consumers reviewing their plans at renewal to ensure they are getting the best value for their needs [Roscommon Herald].