Insurers’ Preliminary Rate Filings Anticipate Biggest Increases in ACA Marketplace Plan Premiums Since 2018 July 18, 2025 News Release This analysis of preliminary rate filings submitted by 105 ACA Marketplace insurers in 19 states and DC shows that ACA Marketplace insurers are requesting a median premium increase of 15% for 2026, which would represent the largest hike in premiums since 2018, the last time policy uncertainty contributed to sharp premium growth. The scheduled expiration of enhanced tax credits and impact of tariffs on some drugs, medical equipment, and supplies are among the factors pushing premiums higher
Individual Market Insurers Requesting Largest Premium Increases in More Than 5 Years July 18, 2025 Issue Brief This analysis of preliminary rate filings submitted by 105 ACA Marketplace insurers in 19 states and DC shows that ACA Marketplace insurers are requesting a median premium increase of 15% for 2026, which would represent the largest hike in premiums since 2018, the last time policy uncertainty contributed to sharp premium growth. The scheduled expiration of enhanced tax credits and impact of tariffs on some drugs, medical equipment, and supplies are among the factors pushing premiums higher
How Might Changes to the ACA Marketplace Impact Enrollees with Mental Health Conditions? June 27, 2025 Issue Brief This brief estimates the number of current Marketplace enrollees with a mental health diagnosis to understand what changes in enrollment may mean for access to services. Among the 24.3 million Marketplace enrollees in 2025, over 4.4 million individuals are estimated to have at least one mental health diagnosis on a health care claim.
Pending Changes to Marketplace Plans Could Increase Cost Sharing for Consumers June 23, 2025 Blog This brief looks at changes to Marketplace plans recently finalized by the Centers for Medicare and Medicaid Services (CMS) that may incentivize insurers to make their plans less generous. With less generous plans, consumers could face higher out-of-pocket costs, though those who don’t qualify for premium tax credits could see lower premiums.
How Will the 2025 Reconciliation Bill Affect the Uninsured Rate in Each State? Allocating CBO’s Estimates of Coverage Loss June 6, 2025 Issue Brief House Republicans have passed a reconciliation package (the “One Big Beautiful Bill Act”) that would make significant changes to Medicaid and the Affordable Care Act (ACA) Marketplaces and increase the number of people without health insurance by an estimated 10.9 million. This analysis estimates state-level increases in the number of uninsured people due to this legislation, along with other changes to the Marketplace, including the expiration of the enhanced premium tax credits.
Deductibles in ACA Marketplace Plans, 2014-2025 May 28, 2025 Issue Brief This analysis documents average deductibles for Affordable Care Act Marketplace plans available on Healthcare.gov in 2025 for all metal tiers, including silver plans after cost-sharing reductions are applied, as well as trend data since 2014.
Marketplace Enrollees with Unpredictable Incomes Could Face Bigger Penalties Under House Reconciliation Bill Provision May 19, 2025 Issue Brief This analysis illustrates how provisions included in the House budget reconciliation bill could expose Marketplace enrollees with unpredictable incomes to higher penalties when filing taxes if they underestimate their incomes. About one in four potential Marketplace shoppers had incomes that varied at least 20 percent from the beginning to the end of the year.
Who Might Lose Eligibility for Affordable Care Act Marketplace Subsidies if Enhanced Tax Credits Are Not Extended? March 3, 2025 Blog This analysis looks at the individual market enrollees who make at least four times the federal poverty level who would no longer be eligible for any tax credits if the current ACA Marketplace enhanced subsidies expire at the end of this year. Compared to other people with similar incomes, these enrollees are more likely to be early retirees, self-employed and living in rural areas.
How Much More Would People Pay in Premiums if the ACA’s Enhanced Subsidies Expired? November 21, 2024 Interactive With the enhanced subsidies for enrollees in ACA Marketplace plans set to expire at the end of 2025, this calculator illustrates how much out-of-pocket premiums would increase if Congress does not extend the subsidies. It shows the projected premium increases based on incomes, zip code, family size and ages based on 2025 ACA Marketplace premiums.
Ten Things to Watch for 2025 ACA Open Enrollment October 30, 2024 Blog This blog post details ten things to know about the 2025 open enrollment period.