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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

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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Standardized Plans in the Health Care Marketplace: Changing Requirements

May 8, 2023
Issue Brief

This brief examines the evolving requirements for insurers on HealthCare.gov to offer standardized plans that follow set cost sharing rules for covered benefits in addition to other plans they might offer. It also reviews how some state-run marketplaces have used standardized plans to limit cost sharing for insulin, mental health care, and other services.
Presentation: The End of the Public Health Emergency Declaration for COVID-19

Apr 26, 2023
Feature

Jen Kates, Senior Vice President and Director of KFF’s Global Health & HIV Policy program presented “The End of the Public Health Emergency Declaration for COVID-19,” at the 2023 Preparedness Summit on April 24.
Q&A: Implications of the Ruling on the ACA’s Preventive Services Requirement

Apr 4, 2023
Policy Watch

This post summarizes some of the key issues related to the U.S. District Court's March 30 ruling in Braidwood Management v. Becerra, which imposes new limits on the government's ability to enforce preventive service requirements nationwide.
Increasingly Privatized Public Health Insurance Programs in the US

Mar 30, 2023
Perspective

In this JAMA Forum column, KFF’s Larry Levitt examines the growing role of private insurance companies in public programs, including Medicare Advantage and Medicaid managed care, and the tradeoffs that result.
How Do Facility Fees Contribute To Rising Emergency Department Costs?

Mar 27, 2023
Issue Brief

With the high costs of emergency department visits of significant importance to consumers and policymakers, this analysis examines claims data from privately insured individuals with large employer health plans, to examine the role that facility fees play in rising cost of emergency care.
How Have Costs Associated With Obesity Changed Over Time?

Mar 24, 2023
Issue Brief

This analysis finds that, among people with large employer health plans, those with an obesity diagnosis on average have higher total and out-of-pocket spending than those without an obesity diagnosis. It also examines the cost of common surgical and pharmacological treatments for obesity.
As the Courts Weigh the Future of the ACA’s Preventive Services Coverage, a New Analysis Shows that Most People with Private Insurance Received At Least One of Those Benefits in 2018

Mar 20, 2023
News Release

The provision of the Affordable Care Act (ACA) that requires most private health plans to cover many preventive services without any cost-sharing for their enrollees is being challenged in federal court.
Preventive Services Use Among People with Private Insurance Coverage

Mar 20, 2023
Issue Brief

This analysis of claims data estimates that six in ten people with private health insurance - or about 100 million people - used at least one preventive service covered without any out-of-pocket costs through a provision of the Affordable Care Act (ACA) in a typical year prior to the COVID-19 pandemic (2018).
Medicare Advantage Insurers Report Much Higher Gross Margins Per Enrollee Than Insurers in Other Markets

Feb 28, 2023
News Release

A new analysis of health insurers’ 2021 financial data shows that insurers continue to report much higher gross margins per enrollee in the Medicare Advantage market than in other health insurance markets. The analysis examines insurers’ financial data in the Medicare Advantage, Medicaid managed care, individual (non-group), and fully insured group (employer) markets.
Outpatient Visits Are Growing More Complex: Implications for Health Costs

Feb 27, 2023
Issue Brief

This analysis for the Peterson-KFF Health System Tracker uses claims data from private, large employer-based plan to examine trends in complexity coding across outpatient practice settings from 2004 to 2021. It finds a trend toward higher complexity codes that contributes to higher outpatient spending.

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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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