Private Insurance

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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

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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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Journalists Recap Coverage on Organ Harvesting, Obamacare, and Medicaid Cuts

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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.
Already at Record High, ACA Marketplace Enrollment Could Increase Further

Sep 7, 2023
News Release

Enhanced Marketplace subsidies have continued to drive up enrollment in the individual market, and the loss of Medicaid coverage by millions of people could contribute to this trend, according to a new KFF analysis. Meanwhile, enrollment in non-ACA-compliant plans is at a record low. As of early 2023, an estimated 18.
As ACA Marketplace Enrollment Reaches Record High, Fewer Are Buying Individual Market Coverage Elsewhere

Sep 7, 2023
Issue Brief

This analysis looks at how many people are signed up for each type of individual ACA Marketplace coverage—both on- and off-Marketplace and with or without subsidies—as of early 2023 based on federal enrollment data and administrative data insurers report to state regulators, as compiled by Mark Farrah Associates. The number of people enrolled in compliant and non-compliant plans was also evaluated.
Will Where You Live Determine Access and Coverage of Emerging Anti-Obesity Drugs?

Aug 30, 2023
Policy Watch

The U.S. Midwest and South regions have higher average obesity rates among adults. What does this mean for access and coverage of prescription drugs for weight loss?
Marketplace Insurers are Proposing a 6% Average Premium Hike for 2024 and Pointing to Inflation as a Key Driver of Costs

Aug 4, 2023
News Release

ACA Marketplace insurers are requesting a median premium increase of 6% for 2024, according to a new KFF analysis of the preliminary rate filings. Insurers’ proposed rate changes – most of which fall between 2% and 10% – may change during the review process.
New KFF Analysis Examines Rapidly Evolving Federal Policies For Substance Use Disorder Treatment for the Opioid Epidemic

Jul 11, 2023
News Release

A new KFF analysis finds that 24 percent more buprenorphine, a medication to treat opioid use disorder, was dispensed in 2022 than in 2019, the year before the pandemic brought a surge of opioid overdose deaths – and a focus on how to expand access and treatment.
Privately Insured People with Depression and Anxiety Face High Out-of-Pocket Costs

Jun 23, 2023
Issue Brief

This analysis finds that privately insured adults who were treated for depression and/or anxiety in 2021 spent almost twice as much on annual out-of-pocket costs compared to enrollees who were not treated for a mental health diagnosis.
KFF Survey of Consumer Experiences with Health Insurance

Jun 15, 2023
Poll Finding

The survey finds nearly six in 10 people with health insurance experienced a problem using their insurance in the past year, with even larger shares reporting problems among people who are sick or who have mental health needs. It includes data for people with different types of coverage, including employer, Marketplace, Medicare and Medicaid, and also examines affordability issues and mental health access.

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Private Insurance

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Political Risks in ACA Subsidy Debate Spark Blame Game, Test Parties’ Resolve

Health Centers Face Risks as Government Funding Lapses

An Arm and a Leg: The Struggle To Afford Insurance in 2026 Hits Home

Where Jobs Are Scarce, Over 1 Million People Could Dodge Trump’s Medicaid Work Rules

Journalists Recap Coverage on Organ Harvesting, Obamacare, and Medicaid Cuts

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