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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Maryland (4)
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Ohio (3)
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Quality Measures (4)
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Rate Review (7)
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Safety Net (2)
Seniors (15)
Sexual Orientation (1)
Small Group Coverage (26)
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South Carolina (1)
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Taxes (29)
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Tennessee (3)
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Treatment (4)
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List Grid

181 - 190 of 864 Results

Out-of-pocket spending on insulin among people with private insurance

Mar 24, 2022
Issue Brief

This analysis of insurance claims data finds that Congressional proposals to set a $35 per month cap on what people pay out of pocket for insulin would provide financial relief to at least 1 out of 5 insulin users with different types of private health insurance.
Many Privately Insured People with Diabetes Could Save Money if Congress Caps Insulin Costs

Mar 24, 2022
News Release

Several legislative proposals in Congress propose a $35 per month cap on what people with health insurance would have to pay out of pocket for insulin, a life-saving hormone taken regularly by many people with diabetes to maintain their health.
A Snapshot of Mental Health and Access to Care Among Nonelderly Adults in California

Mar 17, 2022
Issue Brief

The COVID-19 pandemic has coincided with worsening mental health across the country, and California is no exception. This data note find that in California in 2020, many nonelderly adults experienced poor mental health and did not receive needed care.
No Surprises Act Quiz

Mar 17, 2022
Feature

A new federal law provides new consumer protections against "surprise" medical bills beginning this year. Test your knowledge about its provisions with this 12-question quiz.
Half of Admissions in the Large Group Market Are Paid Above 150% of Medicare Rates, Excluding Maternity Admissions

Mar 11, 2022
Issue Brief

This analysis looks at in-network payment rates for inpatient hospital stays, other than maternity/newborn admissions, among large employer plans relative to Medicare payment rates. We find that a cap of 150% of Medicare rates would affect 52% of in-network admissions and 36% of in-network spending, while a cap of 300% of Medicare rates would affect 13% of in-network admissions and 13% of in-network spending, with variation across types of admissions.
1 in 10 Adults Owe Medical Debt, With Millions Owing More Than $10,000

Mar 10, 2022
News Release

Americans Likely Owe Hundreds of Billions of Dollars in Total Medical Debt A new KFF analysis of government data estimates that nearly 1 in 10 adults (9%) - or roughly 23 million people - owe medical debt. This includes 11 million who owe more than $2,000 and 3 million people who owe more than $10,000.
Many households do not have enough money to pay cost-sharing typical in private health plans

Mar 10, 2022
Issue Brief

This analysis assesses whether people can afford to pay cost-sharing amounts common with private insurance plans. It finds that large shares of non-elderly households do not have enough liquid assets to meet typical plan cost-sharing amounts.
Without Build Back Better, Will the End of the Public Health Emergency Leave Even More People Uninsured?

Mar 2, 2022
Policy Watch

Continuous enrollment in Medicaid and enhanced premium assistance have helped millions afford and maintain coverage, but those gains could be reversed as the public emergency ends and if the provisions like those in the Build Back Better Act fail to pass.
Outpatient telehealth use soared early in the COVID-19 pandemic but has since receded

Feb 10, 2022
Issue Brief

Telehealth use skyrocketed during the early months of the pandemic. While it has since decreased somewhat from that high, it still represents a much more substantial share of health care than before COVID, this KFF-Epic Research analysis finds.
Network Adequacy Standards and Enforcement

Feb 4, 2022
Issue Brief

Health plan networks affect patient access to care. This brief reviews options for setting and enforcing network adequacy standards and tools for making differences in plan networks more transparent.