Kansas residents who buy health insurance on their own could see their premiums increase up to 25.4 percent next year under new rates approved by the state’s Insurance Department this week.

The state agency says fewer than 5 percent of residents would be affected by the rate increases it approved on Tuesday. The increases don’t affect people who purchase the insurance through their employers.

The Wichita Eagle reports that there are several reasons why individual insurances plans are increasing. A department official says one is the guaranteed coverage for the plans granted through the Affordable Care Act.

This was the first time insurance companies had a full year of experience with Affordable Care Act claims before the companies had to set rates for the following year.