Health insurance policyholders might see premium increases as high as 38 percent next year, a Gainesville insurance executive told a Gainesville audience Tuesday. Proposed rates vary from 12 percent for Blue Cross Blue Shield’s small group plans to 38 percent for Alliant Health Plans, said Brett Fowler, vice president and partner of Turner, Wood & Smith Insurance, speaking at the Greater Hall Chamber of Commerce’s fourth annual health care reform update. He said a couple of factors play into Alliant’s possible hike, including that it be might making up for dropping rates on individual plans in 2015.