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

In the Fallout From Trump’s Health Funding Cuts, States Face Tough Budget Decisions
KFF Health News' 'What the Health?': On Capitol Hill, RFK Defends Firings at CDC
Trump Administration Investigates Medicaid Spending on Immigrants in Blue States
He Built Michigan’s Medicaid Work Requirement System. Now He’s Warning Other States.
La administración Trump investiga el gasto de estados demócratas en Medicaid para inmigrantes

More KFF Health News

Subscribe to KFF Emails

Choose which emails are best for you.
Sign up here

View the Latest: Private Insurance

Filter

Past Week
Past Month
Past 6 Months
Past Year
Custom
Start Date

End Date

Clear Selections

Event (30)
Fact Sheet (25)
Feature (92)
From Drew Altman (61)
Interactive (26)
Issue Brief (228)
News Release (204)
Other Post (8)
Perspective (53)
Policy Watch (38)
Poll Finding (46)
Report (55)
State Health Facts Indicator (23)
Video (4)

Clear Selections

Abortion (12)
ACA Marketplaces (271)
Access to Care (58)
Actuarial Value (5)
Administrative Costs (5)
Affordability (126)
Alabama (1)
Arkansas (1)
Benefits (26)
Births (1)
Build Back Better (2)
California (8)
Cancer (2)
Children (7)
Children's Health Insurance Program (CHIP) (8)
Chronic Diseases (6)
Colorado (3)
Congressional Budget Office (CBO) (2)
Connecticut (4)
Consumer Assistance (27)
Contraception (9)
Cost Sharing (158)
County-Level Data (8)
Courts (39)
Coverage (201)
Deficit Reduction (1)
Delivery System (1)
Diabetes (3)
Disability (4)
District of Columbia (4)
Dual Eligible Individuals (2)
Economy (7)
Eligibility (7)
Employer-Sponsored Health Insurance (247)
Employment (11)
En Español (6)
Enrollment (58)
Family Planning (14)
Federal Budget (11)
Financing (8)
Florida (4)
Food Security and Nutrition (2)
Gender Identity (4)
Georgia (1)
Gun Violence (2)
Health Care Markets (3)
Health Care Utilization (4)
Health System Performance (6)
Health Workforce (3)
High-Deductible Plans (52)
High-Risk Pools (5)
HIV/AIDS in U.S. (8)
Hospitals (21)
Illinois (2)
Income and Assets (2)
Indiana (1)
Individual Mandate (31)
Individual Market (303)
International Comparisons (1)
Kentucky (4)
Long-Term Care (8)
Low Income (12)
Maine (4)
Managed Care (10)
Maryland (4)
Maternal and Child Health (3)
Measles (2)
Medicaid Work Requirements (1)
Medical Loss Ratio (MLR) (16)
Medical Technology (2)
Medicare Advantage (22)
Medicare Part D (7)
Medicare's Future (6)
Medicare-for-all (13)
Michigan (5)
Nevada (4)
New Mexico (2)
New York (4)
North Carolina (1)
Nurses (3)
Obesity (4)
Ohio (3)
Opioids (5)
Oral Health (1)
Oregon (4)
Over-the-Counter Contraceptives (5)
Paid Leave (3)
Pennsylvania (2)
Physicians (15)
Politics (57)
Pre-existing Conditions (49)
Pregnancy (6)
Premium Support (7)
Premiums (166)
Prescription Drugs (60)
Prevention (22)
Prices (15)
Prior Authorization (3)
Public Health (9)
Quality Measures (4)
Race/Ethnicity (3)
Rate Review (7)
Reproductive Health (38)
Retiree Coverage (12)
Rhode Island (2)
Rural Health (2)
Safety Net (2)
Seniors (15)
Sexual Orientation (1)
Small Group Coverage (26)
Social Media (1)
South Carolina (1)
State Budgets (3)
State-Level Data (27)
Subsidies (101)
Taxes (29)
Telehealth (20)
Tennessee (3)
Texas (1)
Treatment (4)
Vaccines (8)
Vermont (4)
Virginia (4)
Waivers (4)
Washington (4)
Wellness Programs (53)
West Virginia (1)
Wisconsin (1)
Zika Virus (1)

Clear Selections

Beyond the Data (2)
Employer Health Benefit Survey (47)
Health Policy 101 (3)
Health System Tracker (58)
Health Tracking Poll (50)
KFF/New York Times Surveys (3)
Medicaid Watch (2)
Women's Health Survey (1)

Filter

Past Week
Past Month
Past 6 Months
Past Year
Custom
Start Date

End Date

Clear Selections

Event (30)
Fact Sheet (25)
Feature (92)
From Drew Altman (61)
Interactive (26)
Issue Brief (228)
News Release (204)
Other Post (8)
Perspective (53)
Policy Watch (38)
Poll Finding (46)
Report (55)
State Health Facts Indicator (23)
Video (4)

Clear Selections

Abortion (12)
ACA Marketplaces (271)
Access to Care (58)
Actuarial Value (5)
Administrative Costs (5)
Affordability (126)
Alabama (1)
Arkansas (1)
Benefits (26)
Births (1)
Build Back Better (2)
California (8)
Cancer (2)
Children (7)
Children's Health Insurance Program (CHIP) (8)
Chronic Diseases (6)
Colorado (3)
Congressional Budget Office (CBO) (2)
Connecticut (4)
Consumer Assistance (27)
Contraception (9)
Cost Sharing (158)
County-Level Data (8)
Courts (39)
Coverage (201)
Deficit Reduction (1)
Delivery System (1)
Diabetes (3)
Disability (4)
District of Columbia (4)
Dual Eligible Individuals (2)
Economy (7)
Eligibility (7)
Employer-Sponsored Health Insurance (247)
Employment (11)
En Español (6)
Enrollment (58)
Family Planning (14)
Federal Budget (11)
Financing (8)
Florida (4)
Food Security and Nutrition (2)
Gender Identity (4)
Georgia (1)
Gun Violence (2)
Health Care Markets (3)
Health Care Utilization (4)
Health System Performance (6)
Health Workforce (3)
High-Deductible Plans (52)
High-Risk Pools (5)
HIV/AIDS in U.S. (8)
Hospitals (21)
Illinois (2)
Income and Assets (2)
Indiana (1)
Individual Mandate (31)
Individual Market (303)
International Comparisons (1)
Kentucky (4)
Long-Term Care (8)
Low Income (12)
Maine (4)
Managed Care (10)
Maryland (4)
Maternal and Child Health (3)
Measles (2)
Medicaid Work Requirements (1)
Medical Loss Ratio (MLR) (16)
Medical Technology (2)
Medicare Advantage (22)
Medicare Part D (7)
Medicare's Future (6)
Medicare-for-all (13)
Michigan (5)
Nevada (4)
New Mexico (2)
New York (4)
North Carolina (1)
Nurses (3)
Obesity (4)
Ohio (3)
Opioids (5)
Oral Health (1)
Oregon (4)
Over-the-Counter Contraceptives (5)
Paid Leave (3)
Pennsylvania (2)
Physicians (15)
Politics (57)
Pre-existing Conditions (49)
Pregnancy (6)
Premium Support (7)
Premiums (166)
Prescription Drugs (60)
Prevention (22)
Prices (15)
Prior Authorization (3)
Public Health (9)
Quality Measures (4)
Race/Ethnicity (3)
Rate Review (7)
Reproductive Health (38)
Retiree Coverage (12)
Rhode Island (2)
Rural Health (2)
Safety Net (2)
Seniors (15)
Sexual Orientation (1)
Small Group Coverage (26)
Social Media (1)
South Carolina (1)
State Budgets (3)
State-Level Data (27)
Subsidies (101)
Taxes (29)
Telehealth (20)
Tennessee (3)
Texas (1)
Treatment (4)
Vaccines (8)
Vermont (4)
Virginia (4)
Waivers (4)
Washington (4)
Wellness Programs (53)
West Virginia (1)
Wisconsin (1)
Zika Virus (1)

Clear Selections

Beyond the Data (2)
Employer Health Benefit Survey (47)
Health Policy 101 (3)
Health System Tracker (58)
Health Tracking Poll (50)
KFF/New York Times Surveys (3)
Medicaid Watch (2)
Women's Health Survey (1)

List Grid

111 - 120 of 864 Results

Has Marriage Equality for LGBTQ People Impacted Access to Domestic Partner Health Benefits?

Oct 26, 2023
Issue Brief

In this data note, based on KFF’s 2023 Employer Health Benefit Survey, we assess the current status of domestic partner health insurance benefit offerings for same-sex spouses.
2023 Employer Health Benefits Chart Pack

Oct 18, 2023
Feature

This slideshow captures key data from the 2023 KFF Employer Health Benefits Survey survey, providing a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing, abortion coverage, offer rates, wellness programs, and other employer practices.
2023 Employer Health Benefits Survey

Oct 18, 2023
Feature

This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, worker contributions, cost-sharing provisions, offer rates, and more. This year’s report also looks at how employers are addressing a growing need for mental health services.
Benchmark Survey: Annual Family Premiums for Employer Coverage Rise 7% to Nearly $24,000 in 2023; Workers Contribute $6,575 on Average Now, But Potentially More Soon

Oct 18, 2023
News Release

Amid rising inflation, annual family premiums for employer-sponsored health insurance climbed 7% on average this year to reach $23,968, a sharp departure from virtually no growth in premiums last year, the 2023 benchmark KFF Employer Health Benefits Survey finds.
Consumer Survey Highlights Problems with Denied Health Insurance Claims

Sep 29, 2023
Issue Brief

This Data Note includes major findings from the KFF Consumer Survey on consumer experiences with claim denials. Among those who used the most health care over the past year, 27% experienced a denied claim. More consumers with private insurance experienced denied claims compared to Medicaid or Medicare.
Consumer Problems with Prior Authorization: Evidence from KFF Survey

Sep 29, 2023
Issue Brief

This Data Note highlights findings from the KFF Consumer Survey on problems consumers have experienced with prior authorization requirements. Overall, those with Medicaid, those who are higher utilizers of care, and those who seek certain types of care such as care for a mental health condition or diabetes encountered more problems with prior authorization over the past year.
Private Insurer Payments for Telehealth and In-Person Claims During the Pandemic

Sep 26, 2023
Issue Brief

This analysis of 2021 claims data finds that while telehealth use remained high in the second year of the COVID-19 pandemic, the shift toward virtual physician and mental health care did not materially affect how much insurers paid for each patient encounter.
Insurance Coverage of Updated COVID-19 Vaccines: A Cheat Sheet

Sep 22, 2023
Other

This cheat sheet provides details on coverage rules by insurance type and for people who are uninsured.
KFF Examines Challenges in Navigating Coverage for Opill, the First Over-the-Counter Daily Oral Contraceptive Pill, Coming to Market Next Year

Sep 14, 2023
News Release

As Opill—the first over-the-counter daily oral contraceptive pill in the United States—is expected to be available for purchase in early 2024, new research conducted by KFF examines barriers to its accessibility for consumers and challenges in providing insurance coverage for it.
Insurance Coverage of OTC Oral Contraceptives: Lessons from the Field

Sep 14, 2023
Report

This report is based on 35 structured interviews conducted from January to August 2023, with nearly 80 experts and key players such as pharmacists, health plans, and state Medicaid officials involved in the coverage and provision of OTC contraception in seven states with one or more of these coverage approaches (IL, NJ, NM, NY, OR, UT, and WA). It discusses the challenges and successes in coverage under private health insurance and Medicaid and reviews policy options for operationalizing insurance coverage of non-prescribed OTC contraception such as Opill.