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

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The Burden of Medical Debt in the United States

Feb 12, 2024
Issue Brief

This analysis uses government data to examine the burden of medical debt, including variations based on state, age, race and ethnicity, and health status. It estimates that people in the United States owe at least $220 billion in medical debt.
Commercialization of COVID-19 Vaccines, Treatments, and Tests: Implications for Access and Coverage

Feb 6, 2024
Issue Brief

With the depletion of the federal-purchased supply of COVID-19 vaccines, treatments and tests following the end of the public health emergency, this resource provides an overview of the implications of these changes for access to people covered by Medicare, Medicaid and private insurance, as well as those who are uninsured.
Another Year of Record ACA Marketplace Signups, Driven in Part by Medicaid Unwinding and Enhanced Subsidies

Jan 24, 2024
Policy Watch

Open enrollment for the Affordable Care Act (ACA) Marketplaces is about to wrap up with another record high number of people signing up for coverage. Factors that contribute to this increase include unwinding of the Medicaid continuous enrollment, increased subsidies from the American Rescue Plan and Inflation Reduction Act, and increased marketing, outreach, and enrollment assistance.
Employer Health Benefits Annual Survey Archives

Jan 1, 2024
Report

KFF has conducted this annual survey since 1999.
Year in Review: 10 Health Policy Issues for 2023

Dec 22, 2023
Fact Sheet

This fact sheet offers a look back at 10 issues that KFF tracked closely during 2023 in its polling, policy analysis and journalism, including summaries of major findings and news stories.
What are the Recent Trends in Employer-Based Health Coverage?

Dec 22, 2023
Issue Brief

This chart collection presents analysis of data from recent Annual Economic and Social Supplements (ASEC) of the Current Population Survey (CPS) to examine who among non-elderly people has employer-sponsored insurance and which workers are offered and eligible for coverage at their current jobs.
Average Gross Margin Per Member Per Month on the Individual Market

Dec 19, 2023
State Health Facts Indicator
Lower-Income People with Employer Coverage are More Likely to Report Negative Outcomes Due to Insurance Problems Than Their Higher-Income Peers

Dec 19, 2023
News Release

Lower-income adults with employer coverage are more likely than their higher-income peers to report negative outcomes due to problems using their insurance, a new KFF analysis shows.
Lower Income Adults with Employer Sponsored Insurance Face Unique Challenges with Coverage Compared to Higher Income Adults

Dec 19, 2023
Issue Brief

This analysis examines the experiences of lower income adults with their employer sponsored insurance and finds they were more likely to self-report problems with affordability, enrollment, and network adequacy, and to experience negative health consequences as a result of insurance problems, compared to their higher income peers.
Employers Use of Center of Excellence Programs as a Pathway for Behavioral Health Services

Dec 8, 2023
Policy Watch

This post explores the prevalence of employer-sponsored health plans that use Center of Excellence (COE) programs as a way to provide enrollees with specialized care for behavioral health services. One in 10 large employers (with at least 1,000 workers) offer such programs now.

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Private Insurance

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Estos son los aumentos de precios que también deberían preocuparte

Native Americans Want To Avoid Past Medicaid Enrollment Snafus as Work Requirements Loom

The Price Increases That Should Cause Americans More Alarm

KFF Health News' 'What the Health?': Happy 60th, Medicare and Medicaid!

Try This When Your Doctor Says ‘Yes’ to a Preventive Test but Insurance Says ‘No’

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