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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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How Lowering the Medicare Eligibility Age Might Affect Employer-Sponsored Insurance Costs

Apr 27, 2021
Issue Brief

This analysis for the Peterson-KFF Health System Tracker illustrates the potential for employer savings if the age of Medicare eligibility were lowered to 60, as proposed by President Biden during the 2020 campaign.
Private Insurers Are Expected to Pay $2.1 Billion in Rebates to Consumers This Year for Excessive Health Insurance Premiums Relative to Health Care Expenses

Apr 12, 2021
News Release

Private insurance companies are expecting to pay out $2.1 billion in rebates to consumers this fall, the second highest amount ever issued under the Affordable Care Act, according to a new KFF analysis.
Analysis Estimates 5.1 Million People Fall into the Affordable Care Act’s “Family Glitch”

Apr 7, 2021
News Release

A new KFF analysis estimates 5.1 million people nationally fall into the Affordable Care Act’s “family glitch” that occurs when a worker receives an offer of affordable employer coverage for themselves but not for their dependents, making them ineligible for financial assistance for marketplace coverage.
The ACA Family Glitch and Affordability of Employer Coverage

Apr 7, 2021
Issue Brief

This analysis estimates that 5.1 million people fall into the Affordable Care Act's "family glitch," which occurs when a worker receives an offer of affordable employer coverage for themselves but not for their dependents, making them ineligible for financial assistance for marketplace coverage. It explores the demographic characteristics of this group, including state-level estimates.
How the American Rescue Plan Act Affects Subsidies for Marketplace Shoppers and People Who Are Uninsured

Mar 25, 2021
Issue Brief

This brief uses data from the American Community Survey (ACS) to provide estimates of eligibility for and the amount of financial assistance to purchase Marketplace coverage under the ARPA among both current individual market purchasers, as well as Marketplace-eligible uninsured people.
How the American Rescue Plan Will Improve Affordability of Private Health Coverage

Mar 17, 2021
Issue Brief

This brief explains the various provisions in the American Rescue Plan (ARP) that increase and expand the affordability of coverage for people enrolled in Marketplace health plans or COBRA.
Impact of Key Provisions of the American Rescue Plan Act of 2021 COVID-19 Relief on Marketplace Premiums

Mar 15, 2021
Issue Brief

This data note estimates how tax credits premiums will change for people at various ages and incomes under the temporary boost in subsidies included in the American Rescue Plan Act of 2021, the COVID-19 relief plan signed into law in March 2021.
2021 Calculator – Before COVID-19 Relief

Mar 10, 2021
Interactive

The Health Insurance Marketplace Calculator, updated with 2021 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance.
2021 Calculator – Before COVID-19 Relief

Mar 10, 2021
Interactive

The Health Insurance Marketplace Calculator, updated with 2021 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). With this calculator, you can enter your income, age, and family size to estimate your eligibility for subsidies and how much you could spend on health insurance.
Two New Analyses: House COVID-19 Relief Plan Would Temporarily Lower Marketplace Premiums for Millions and More than Offset Short-Term State Costs to Expand Their Medicaid Programs

Feb 18, 2021
News Release

The House COVID-19 relief proposal would temporarily lower what millions of Marketplace enrollees and uninsured potential enrollees would pay toward premiums and would provide states that have not expanded their Medicaid programs a financial boost that would more than offset their costs initially, two new KFF analyses find.

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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’

View the Latest: Private Insurance

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