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Enhanced Premium tax credits

8 Things to Watch for 2026 ACA Open Enrollment

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.

Health Insurance Premiums

ACA Marketplace Plans Nationally Are Seeking a Median 18% Premium Increase for 2026

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.


ACA Premium Payment Increases Across Congressional Districts

How Much Premiums are Going Up for Small Businesses in 2026

Is it Too Late for ACA Insurers to Change Their Premiums?

Calculate How Much More You'd Pay Without the Enhanced ACA Credit

Timely insights and analysis from KFF staff

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  • Private Insurance’s Costs are Skyrocketing

    From Drew Altman

    In this Axios column, Drew Altman takes a long-term view of the recently released federal data on health spending showing that spending for private insurance is rising much faster than for Medicare and Medicaid, and predicts rising pressure in the health care industry as a result. 

  • Poll: Democrats Say They Are Hearing Enough From Presidential Candidates About Medicare-for-All and Expanding Coverage, But Want Them to Talk More about Health Costs and Women’s Health Care

    News Release

    Heading into tonight’s Democratic primary debate, most Democrats and Democratic-leaning independents say the candidates are spending the right amount or too much time talking about ways to provide coverage to more Americans and Medicare-for-all, two topics that have dominated health care discussions in the past three rounds of Democratic debates, the latest KFF Health Tracking…

  • Voters Aren’t Buying Trump’s Promises of a Health Care Plan

    From Drew Altman

    Drew Altman showcases new KFF polling on the public’s views of President Trump’s promise that he will have a “phenomenal” health care plan and protect Medicare, and analyzes what it means for health care politics.

  • 300+ FAQs Help Consumers Understand the ACA Marketplaces as Open Enrollment Begins

    News Release

    Ahead of the annual Affordable Care Act (ACA) open enrollment period, the time during which consumers can shop for health plans or renew existing coverage, KFF has updated and expanded its searchable collection of more than 300 Frequently Asked Questions about open enrollment, the health insurance marketplaces and the ACA.

  • Key State Policy Choices About Medical Frailty Determinations for Medicaid Expansion Adults

    Issue Brief

    This issue brief answers 3 key questions and provides new data about state medical frailty determinations, which are assuming greater importance as more states adopt restrictive Section 1115 waivers that exempt medically frail enrollees from policies such as work requirements and premiums. The findings are excerpted from our 50-state survey on Medicaid financial eligibility for seniors and people with disabilities.

  • How Many Employers Could Be Affected by the High-Cost Plan Tax

    Issue Brief

    The high cost plan tax (HCPT) sometimes referred to as the Cadillac tax, is an excise tax on the cost of employer health benefit exceeding certain threshold. The HCPT provides a powerful incentive to control health plans costs over time, whether through efficiency gains or shifts in costs to workers. While many employers do not expect that the tax will take effect in 2022, others are already amending their health programs in anticipation. We estimate if the tax takes effect in 2022, 21% will be subject to the tax, increasing to 37% by 2030 unless firms reduce costs. Larger shares would be affected when counting workers' voluntary contributions to Flexible Spending Accounts (FSAs)

  • State Actions to Improve the Affordability of Health Insurance in the Individual Market

    Issue Brief

    A number of states have taken steps to provide consumers with more affordable coverage options in the individual market, including the marketplaces. Some states are implementing strategies that lower premiums by building on, and increasing the stability of the individual market, while other states are expanding the availability of lower cost coverage sold outside the marketplaces that does not comply with ACA standards—an approach that could increase marketplace premiums further. This brief examines these different approaches and discusses the implications of state policy choices.