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The ACA Marketplace Open Enrollment season begins November 1, and with it comes looming changes to the enhanced premium tax credits, increases in out-of-pocket premiums, and changes to Marketplace enrollment and eligibility rules.
This analysis of insurers’ initial rate filings for Affordable Care Act Marketplace plans in all 50 states and DC finds the median proposed increase for 2026 is 18%, more than double last year’s proposed increase. The analysis also shows proposed rate changes by state and insurer.
Timely insights and analysis from KFF staff
The ACA enhanced premium tax credits expanded financial assistance to more Marketplace enrollees, an expansion that was especially helpful to older middle-income enrollees, who would see the largest increases in out-of-pocket premiums if the enhanced credits expire. ... more
As Democrats push for an extension of the ACA’s enhanced premium tax credits, new data from KFF show the extent to which states won by Trump in 2024 have come to rely on the ACA Marketplaces and the tax credits, which make health care coverage more affordable for low- and middle-income Marketplace enrollees. ... more
Undocumented immigrants are not eligible for federally funded health coverage. The GOP’s Big Beautiful Bill didn’t change that. Overturning the health care provisions in the law won’t either. ... more
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Matt McGough 
Emma Wager 
Drishti Pillai 
