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.

INDIVIDUAL MARKET

Examining Short-Term Limited-Duration Health Plans

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.

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Latest News

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States Jostle Over $50B Rural Health Fund as Trump’s Medicaid Cuts Trigger Scramble
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In Mississippi, Medicaid Coverage of Weight Loss Drugs Fails To Catch On
El mercado de seguros de salud de California se prepara para el caos mientras sigue el cierre del gobierno

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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
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.
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.
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.
Consumer Appeal Rights in Private Health Coverage

Dec 10, 2021
Issue Brief

The Affordable Care Act (ACA) gives consumers the right to appeal private health plan claims denials and other adverse decisions, including the incorrect application of cost sharing, although limits apply. This issue brief describes consumer access to appeals and limits on appeal rights that have been adopted through federal regulations.
No Surprises Act Implementation: What to Expect in 2022

Dec 10, 2021
Issue Brief

The “No Surprises Act,” which establishes new federal protections against most surprise out-of-network medical bills when a patient receives out-of-network services during an emergency visit or from a provider at an in-network hospital without advance notice, will take effect next month. A new KFF brief outlines what to expect in 2022.
2021 Employer Health Benefits Chart Pack

Nov 10, 2021
Feature

This slideshow captures key data from the 2021 KFF Employer Health Benefits Survey survey, providing a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing provisions, offer rates, wellness programs, and employer practices.
Average Family Premiums Rose 4% This Year to Top $22,000; Employers Boost Mental Health and Telemedicine amid COVID-19 Pandemic, Benchmark KFF Survey Finds

Nov 10, 2021
News Release

Annual family premiums for employer-sponsored health insurance rose 4% to average $22,221 this year, according to the 2021 benchmark KFF Employer Health Benefits Survey released today. On average, workers this year are contributing $5,969 toward the cost of family coverage, with employers paying the rest.
Potential Costs of Coronavirus Treatment for People with Employer Coverage

Mar 16, 2020
Issue Brief

As COVID-19 spreads within the United States, questions have arisen over the potential costs people may face if they become severely ill and need treatment.

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Private Medicare, Medicaid Plans Exaggerate In-Network Mental Health Options, Watchdogs Say

States Jostle Over $50B Rural Health Fund as Trump’s Medicaid Cuts Trigger Scramble

KFF Health News' 'What the Health?': Schrödinger’s Government Shutdown

In Mississippi, Medicaid Coverage of Weight Loss Drugs Fails To Catch On

El mercado de seguros de salud de California se prepara para el caos mientras sigue el cierre del gobierno

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