Private Insurance

New and Noteworthy

How Much and Why ACA Marketplace Premiums Are Going Up in 2026

A new analysis of initial rate filings for Affordable Care Act (ACA) Marketplace plans submitted by 312 insurers in all 50 states and the District of Columbia finds the median proposed increase for 2026 is 18%, more than double last year’s 7% median proposed increase. The proposed rates are preliminary and could change before being finalized in late summer. In addition to rising cost and utilization of services, insurers cited the expiration of enhanced premium tax credits as a significant factor in their rate hikes for next year.

Quick Take

Tariffs Are Driving 2026 Health Insurance Premiums Up

2025 Reconciliation Bill

Health Savings Account Provisions in the 2025 Tax and Spending Law

analysis

Health Insurer Financial Performance in 2023

Survey

Consumer Experiences with Health Insurance

Employer Coverage

Employer Family Premiums Climb to $25,572 in 2024, Survey Finds

Family premiums for employer-sponsored health insurance rose 7% in 2024, matching the 2023 increase, KFF's benchmark Employer Health Benefits Survey finds. Over the previous five years, the cumulative increase in premiums has been similar to the rise in general inflation and workers' wages. The survey also examines deductibles and other cost-sharing, coverage of GLP-1 weight-loss drugs, and more.

Read the News Release

Latest News

Recortes de Trump a Medicaid apuntaban a “adultos sanos”, pero hospitales advierten que niños sufrirán las consecuencias
Under Trump, FDA Seeks To Abandon Expert Reviews of New Drugs
Watch: Why Is Having a Baby So Expensive in the US?
Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.
Luego de los recortes de Trump a la salud, estados enfrentan decisiones presupuestarias difíciles

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671 - 680 of 863 Results

No Surprises Act Quiz

Mar 17, 2022
Feature

A new federal law provides new consumer protections against "surprise" medical bills beginning this year. Test your knowledge about its provisions with this 12-question quiz.
Many households do not have enough money to pay cost-sharing typical in private health plans

Mar 10, 2022
Issue Brief

This analysis assesses whether people can afford to pay cost-sharing amounts common with private insurance plans. It finds that large shares of non-elderly households do not have enough liquid assets to meet typical plan cost-sharing amounts.
Ten Changes to Watch in Open Enrollment 2022

Oct 29, 2021
Issue Brief

Even as the ninth annual Open Enrollment period gets underway, the Affordable Care Act (ACA) Marketplaces continue to evolve and important changes are expected. This issue brief discusses what changes to watch out for in the coming enrollment period.
Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2021

Nov 10, 2021
Interactive

This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as for firms with relatively few or many part-time workers, higher- or lower-wage workers, and older or younger workers.
Impact of Key Provisions of the American Rescue Plan Act of 2021 COVID-19 Relief on Marketplace Premiums

Mar 15, 2021
Issue Brief

This data note estimates how tax credits premiums will change for people at various ages and incomes under the temporary boost in subsidies included in the American Rescue Plan Act of 2021, the COVID-19 relief plan signed into law in March 2021.
Surprise Medical Bills are Ending, But Controversy Continues

Jan 20, 2022
Perspective

In this column for the JAMA Health Forum, Larry Levitt examines how the No Surprises Act that prohibits unexpected out-of-network charges for patients could lead to lower payment rates and revenues for some doctors and other care providers.
A Federal Covid Testing Plan Finally Ramps Up. Strings Are Attached.

Jan 14, 2022
Perspective

In this commentary for Barron's, Cynthia Cox and Lindsey Dawson examine the cost and availability of at-home COVID-19 tests and how the new Biden administration policy requiring private insurances to cover their costs may work.
How are Large Private Insurers Covering At-Home Rapid Tests?

Jan 20, 2022
News Release

Less than a week after a new federal mandate to cover such products took effect, about half of the nation’s largest private insurers allow enrollees to directly obtain rapid at-home COVID-19 tests from specific sources without having to pay anything upfront, a new KFF analysis finds. The new coverage requirement took effect Jan.
Analysis: Half of Emergency Ambulance Rides Lead to Out-of-Network Bills for Privately Insured Patients

Jun 24, 2021
News Release

About half of emergency ground ambulance rides result in an out-of-network charge for people with private health insurance, potentially leaving patients at risk of getting a surprise bill, a new KFF analysis for the Peterson-KFF Health System Tracker finds.
Most Insurers Participating in the Marketplaces Don’t Expect COVID to Affect Their 2022 Costs

Jul 19, 2021
News Release

After a tumultuous year of unpredictable COVID-19 changes to utilization and spending, a review of early rate filings for individual market insurers participating in the Affordable Care Act Marketplace finds that most are expecting a return to normal in 2022 without the pandemic playing a large role.

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Recortes de Trump a Medicaid apuntaban a “adultos sanos”, pero hospitales advierten que niños sufrirán las consecuencias

Under Trump, FDA Seeks To Abandon Expert Reviews of New Drugs

Watch: Why Is Having a Baby So Expensive in the US?

Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.

Luego de los recortes de Trump a la salud, estados enfrentan decisiones presupuestarias difíciles

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