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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Private Health Insurance Spending by State (in millions)

Sep 13, 2022
State Health Facts Indicator
Average Annual Percent Growth in Private Health Insurance Spending per Enrollee by State

Sep 13, 2022
State Health Facts Indicator
Average Annual Percent Growth in Private Health Insurance Spending by State

Sep 13, 2022
State Health Facts Indicator
Mental Health Parity at a Crossroads

Aug 18, 2022
News Release

With federal agencies preparing to update parity regulations and Congress considering reforms, our new report explains existing parity requirements, including who they apply to and how their enforced, and highlights key policy issues raised by regulators and advocates that could be addressed in the future.
Mental Health Parity at a Crossroads

Aug 18, 2022
Issue Brief

This brief discusses federal mental health parity protections -- what they are, who they apply to, who enforces them and key policy issues as Congress and federal agencies evaluate improvements to the law to address gaps in mental health coverage and access.
Five Things to Know about the Renewal of Extra Affordable Care Act Subsidies in the Inflation Reduction Act

Aug 11, 2022
Policy Watch

As part of the Inflation Reduction Act, the Senate recently passed a three-year extension (through 2025) of enhanced subsidies for people buying their own health coverage on the Affordable Care Act Marketplaces. The enhanced subsidies increase the amount of financial help available to those already eligible and also newly expand subsidies to middle-income people, many of whom were previously priced out of coverage. Here’s what to know about the likely renewal of these subsidies:
ACA’s Maximum Out-of-Pocket Limit Is Growing Faster Than Wages

Jul 20, 2022
Issue Brief

This analysis finds that the ACA’s maximum out-of-pocket limit is likely to grow faster than wages and salaries, and is also expected to grow faster than the maximum out-of-pocket limit for Health Savings Account (HSA)-qualified health plans.
What would ACA Subsidies Have Been in 2022 if COVID-19 Relief Had not passed?

Jul 18, 2022
Interactive

This calculator is for illustration purposes and shows the tax credits and premiums that marketplace customers would have paid in 2022 if not for the enhanced subsidies included in the 2021 COVID relief legislation, the American Rescue Plan Act, (ARPA). The enhanced subsidies expire at the end of the year.
Could Consumer Assistance be Helpful to People Facing Medical Debt?

Jul 14, 2022
Policy Watch

Most (53%) adults with health care debt say they have received a medical or dental bill they thought contained an error at some point in the past 5 years, and most say a state consumer assistance program would be helpful to them.
Women who Give Birth Incur Nearly $19,000 in Additional Health Costs, Including $2,854 More that They Pay Out of Pocket

Jul 13, 2022
News Release

The health care costs associated with pregnancy and childbirth average almost $19,000, including $2,854 paid out-of-pocket, a new KFF analysis of large employers’ insurance claims finds.

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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

Listen: Young Adults Turning 26 Face Health Insurance Cliff

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