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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When Hospitals and Insurers Fight, Patients Get Caught in the Middle
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

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311 - 320 of 864 Results

Surprise Bills Often Hit in Emergencies

Dec 9, 2019
From Drew Altman

In an Axios column, Drew Altman previews new data highlighting that people with critical health issues are especially vulnerable to these bills.
Affordable Care Act Premiums Are Falling in Many Areas of the U.S. in 2020, But Changes Vary Widely By County and Type of Plan, County-Level Analysis Shows

Nov 7, 2019
News Release

Although premiums for Affordable Care Act Marketplace benchmark silver plans are decreasing on average across the U.S. in 2020, changes vary widely by geographic location and plan type, including premium increases in a number of counties and plans, according to a new KFF analysis of county-level data.
ACA Open Enrollment: For Consumers Considering Short-Term Policies

Oct 25, 2019
Fact Sheet

A short fact sheet provides information about short-term health insurance policies and how they differ from ACA-compliant plans.
ACA Open Enrollment: If You Shop on Private Websites Instead of HealthCare.gov

Oct 17, 2019
Fact Sheet

Marketplace plans can now be sold through private websites, sometimes described as "direct enrollment” sites or “certified enrollment partner” sites. This short fact sheet explains how these sites and the plans they offer may differ from what consumers will find on HealthCare.gov.
ACA Open Enrollment: If You Buy Health Coverage in the Individual Market

Oct 17, 2019
Fact Sheet

This short explainer provides an overview of open enrollment and the 2020 individual insurance market, including Affordable Care Act (ACA) marketplaces, for consumers who buy their own plans rather than getting insurance through an employer.
Poll: Democrats Say They Are Hearing Enough From Presidential Candidates About Medicare-for-All and Expanding Coverage, But Want Them to Talk More about Health Costs and Women’s Health Care

Oct 15, 2019
News Release

Heading into tonight’s Democratic primary debate, most Democrats and Democratic-leaning independents say the candidates are spending the right amount or too much time talking about ways to provide coverage to more Americans and Medicare-for-all, two topics that have dominated health care discussions in the past three rounds of Democratic debates, the latest KFF Health Tracking…
Nearly 54 Million Americans Have Pre-Existing Conditions That Would Make Them Uninsurable in the Individual Market without the ACA

Oct 4, 2019
News Release

Almost Half of Non-Elderly Families have At Least One Adult with a Pre-Existing Condition An updated KFF analysis estimates that almost 54 million people – or 27% of all adults under 65 —have pre-existing health conditions that would likely have made them uninsurable in the individual markets that existed in most states before the Affordable…
Pre-Existing Condition Prevalence for Individuals and Families

Oct 4, 2019
Issue Brief

This analysis estimates that almost 54 million people – or 27% of all adults under 65 —have pre-existing health conditions that would likely have made them uninsurable in the individual markets that existed in most states before the Affordable Care Act. Almost half (45%) of non-elderly families include at least one adult with such a pre-existing condition. The analysis also includes estimates by age, state and gender.
Employer-based Coverage is Unaffordable for Low-wage Workers

Sep 26, 2019
From Drew Altman

In this Axios column, Drew Altman digs into 2019 data on employer-provided health coverage and explains why employer coverage is often unaffordable for lower wage workers.
Benchmark Employer Survey Finds Average Family Premiums Now Top $20,000

Sep 25, 2019
News Release

Annual family premiums for employer-sponsored health insurance rose 5% to average $20,576 this year, according to the 2019 benchmark KFF Employer Health Benefits Survey released today. Workers’ wages rose 3.4% and inflation rose 2% over the same period. On average, workers this year are contributing $6,015 toward the cost of family coverage, with employers paying the rest.