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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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’
Reduced ACA Subsidies May Make It Harder for Young Adults To Afford Coverage

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More Insurers Are Participating in the ACA Marketplaces in 2019

Nov 14, 2018
News Release

Insurer participation in the Affordable Care Act’s health insurance marketplaces is rising in 2019, finds a new analysis from KFF (the Kaiser Family Foundation).
The New Health Care Agenda: Gridlock, Lots of Hearings

Nov 8, 2018
From Drew Altman

In an Axios column, Drew Altman analyzes what the midterm election means for the health policy agenda between now and 2020--mostly political positioning and gridlock in Congress, with most of the action affecting people in the states.
Marketplace Premium Changes in 2019 Vary Dramatically By State

Nov 1, 2018
Feature

Our analysis of CMS data for states that use Healthcare.gov insurance exchanges revealed that marketplace premium changes vary dramatically state-to-state in 2019.
2019 Health Insurance Marketplace Calculator

Oct 31, 2018
Interactive

The Health Insurance Marketplace Calculator, updated with 2019 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.
Why Do Short-Term Health Insurance Plans Have Lower Premiums Than Plans That Comply with the ACA?

Oct 31, 2018
Issue Brief

Short-term health insurance plans are able to charge premiums 54 percent lower than ACA-compliant plans, by excluding pre-existing conditions and severely limiting benefits.
Short-Term Health Insurance Plans Charge Less than Half as Much in Premiums as ACA Plans By Excluding Pre-Existing Conditions and Severely Limiting Benefits

Oct 31, 2018
News Release

Short-term health insurance plans offer a trade-off for consumers: substantially lower premiums than plans that comply with the Affordable Care Act, but much less protection if they get sick and need care.
Para consumidores que estén considerando planes de salud de corto plazo…

Oct 30, 2018
Fact Sheet

Esta hoja informativa ofrece datos sobre los planes de salud de corto plazo y en qué se diferencian de las pólizas que cumplen con ACA.
Analysis: Workers Increasingly Have Access to Same-Sex Spousal Benefits

Oct 30, 2018
News Release

While workplace health benefits for married same-sex spouses are becoming more common, new data from KFF’s 2018 Employer Health Benefits Survey shows they still lag behind benefits available to opposite sex-spouses.
Web Briefing for Journalists: Key Issues Ahead of Marketplace Open Enrollment

Event Date: Oct 26, 2018

Event

Marketplace open enrollment, the period during which consumers can shop for health plans or renew existing coverage through the Affordable Care Act’s health insurance marketplaces, begins on Nov. 1. Recent policy changes at the state and federal levels have the potential to impact individuals and families purchasing health insurance for 2019.
2019 Premiums for ACA Silver Plans Will Be 16 Percent Higher Than They Would Have Been Absent the Repeal of the Individual Mandate, Expansion of Short-Term Plans and Loss of Federal Cost-Sharing Payments, Analysis Finds

Oct 26, 2018
News Release

Although 2019 premiums for plans in the Affordable Care Act marketplaces are flat or falling in many parts of the country, they would be substantially lower still if not for several Trump administration-backed changes to private insurance markets, finds a new KFF analysis.