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

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Watch: Why Is Having a Baby So Expensive in the US?
Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.
Luego de los recortes de Trump a la salud, estados enfrentan decisiones presupuestarias difíciles
In the Fallout From Trump’s Health Funding Cuts, States Face Tough Budget Decisions

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Medical Debt Among Insured Consumers: The Role of Cost Sharing, Transparency, and Consumer Assistance

Jan 8, 2015
Perspective

This policy insight examines medical debt among insured consumers, exploring how high cost sharing in health insurance plans can contribute, and explaining how greater transparency could help consumers avoid some financial pitfalls. It also provides an update on provisions of the Affordable Care Act meant to increase health plan transparency and bolster consumer assistance.
Web Briefing for Journalists: How ACA’s Employer Requirements and Related Provisions Affect Businesses and Workers

Event Date: Dec 18, 2014

Event

A major piece of the Affordable Care Act will first take effect January 1 when larger employers will be required to offer coverage to their workers or face penalties. How do the penalties work and how are they being phased in? To help reporters understand and cover these issues, the Kaiser Family Foundation held a web briefing exclusively for journalists.
How 13 Million Americans Could Lose Insurance Subsidies

Nov 19, 2014
From Drew Altman

This was published as a Wall Street Journal Think Tank column on November 19, 2014. Kaiser Family Foundation calculations of how many Americans could lose subsidies in 2016 depending on the Supreme Court’s ruling in King v. Burwell. The Supreme Court is expected to rule next year on King v.
Women’s Health Issues Journal: Women, Private Health Insurance, and the Affordable Care Act

Nov 25, 2015
Issue Brief

In this issue of the Women's Health Issues journal, Alina Salganicoff and Laurie Sobel discuss how the private insurance reforms and expansions in the Affordable Care Act (ACA) have affected access to coverage for women and where gaps remain.
Visualizing Health Policy: Primary Care Practitioners’ Perspectives on Delivery System Changes

Nov 24, 2015
Other

This infographic takes a look at primary care practioners' (PCPs') perspectives on recent changes to the health care delivery system.
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.
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.
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.

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Private Insurance

Latest News

Under Trump, FDA Seeks To Abandon Expert Reviews of New Drugs

Watch: Why Is Having a Baby So Expensive in the US?

Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.

Luego de los recortes de Trump a la salud, estados enfrentan decisiones presupuestarias difíciles

In the Fallout From Trump’s Health Funding Cuts, States Face Tough Budget Decisions

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