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

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ACA Open Enrollment: If You Shop on Private Websites Instead of HealthCare.gov

Oct 17, 2019
Fact Sheet

Marketplace plans can now be sold through private websites, sometimes described as "direct enrollment” sites or “certified enrollment partner” sites. This short fact sheet explains how these sites and the plans they offer may differ from what consumers will find on HealthCare.gov.
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

Oct 15, 2019
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…
Pre-Existing Condition Prevalence for Individuals and Families

Oct 4, 2019
Issue Brief

This analysis estimates that almost 54 million people – or 27% of all adults under 65 —have pre-existing health conditions that would likely have made them uninsurable in the individual markets that existed in most states before the Affordable Care Act. Almost half (45%) of non-elderly families include at least one adult with such a pre-existing condition. The analysis also includes estimates by age, state and gender.
Employer Strategies to Reduce Health Costs and Improve Quality through Network Configuration

Sep 25, 2019
Report

Released in conjunction with the 2019 Employer Health Benefits Survey, a new report on the Peterson-KFF Health System Tracker provides insight from focus groups on the current strategies companies are using to manage rising costs and improve quality of care when configuring provider networks.
Benchmark Employer Survey Finds Average Family Premiums Now Top $20,000

Sep 25, 2019
News Release

Annual family premiums for employer-sponsored health insurance rose 5% to average $20,576 this year, according to the 2019 benchmark KFF Employer Health Benefits Survey released today. Workers’ wages rose 3.4% and inflation rose 2% over the same period. On average, workers this year are contributing $6,015 toward the cost of family coverage, with employers paying the rest.
ANALYSIS: More than Half of Uninsured People Eligible for Marketplace Insurance Could Pay Less for Health Plan than Individual Mandate Penalty

Nov 9, 2017
News Release

A new Kaiser Family Foundation analysis finds that more than half (54% or 5.9 million) of the 10.7 million people who are uninsured and eligible to purchase an Affordable Care Act marketplace plan in 2018 could pay less in premiums for health insurance than they would owe as an individual mandate tax penalty for lacking coverage.
Do Health Plan Enrollees have Enough Money to Pay Cost Sharing?

Nov 3, 2017
Issue Brief

This brief looks at the extent to which people have enough savings to meet the cost sharing requirements under private health insurance policies, which have risen substantially in recent years.
Web Briefing: What Should Consumers Know about ACA Open Enrollment in Kentucky, Tennessee, and Virginia?

Event Date: Oct 31, 2017

Event

The Kaiser Family Foundation will hold a web briefing focusing on key information for individuals shopping for Affordable Care Act (ACA) marketplace coverage in Kentucky, Tennessee, and Virginia.
Web Briefing: What Should Consumers Know about ACA Open Enrollment in Indiana, Ohio, and Pennsylvania?

Event Date: Oct 30, 2017

Event

The Kaiser Family Foundation will hold a web briefing focusing on key information for individuals shopping for Affordable Care Act (ACA) marketplace coverage in Indiana, Ohio, and Pennsylvania.
Survey: Adjusting to Sudden Reduction in Federal Funds, ACA Navigators Expect to Decrease Services

Oct 11, 2017
News Release

Many navigator organizations responsible for helping consumers understand and sign up for health coverage in 2018 Affordable Care Act (ACA) marketplaces say steep federal funding reductions that recently took effect will likely force them to limit their geographic service area, cut back outreach and public education, lay off staff members, and curtail other assistance, according…

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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

In the Fallout From Trump’s Health Funding Cuts, States Face Tough Budget Decisions

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