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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Average Annual Family Premium per Enrolled Employee For Employer-Based Health Insurance

Sep 8, 2025
State Health Facts Indicator
Average Annual Employee-Plus-One Premium per Enrolled Employee For Employer-Based Health Insurance

Sep 8, 2025
State Health Facts Indicator
Medicaid Expansion through Premium Assistance: Key Issues for Beneficiaries in Arkansas’ Section 1115 Demonstration Waiver Proposal

Jul 19, 2013
Issue Brief

This issue brief provides background about Medicaid premium assistance in the individual health insurance market, summarizes major components of Arkansas’ Section 1115 demonstration waiver application to implement the Affordable Care Act’s Medicaid expansion through premium assistance, and considers key issues affecting beneficiaries.
The YouToons Get Ready for Obamacare: Health Insurance Changes Coming Your Way Under the Affordable Care Act

Jul 17, 2013
Video

In this animated video, the YouToons get ready for Obamacare and explore health insurance changes under the Affordable Care Act. This cartoon serves as a health reform tutorial for consumers and organizations.
Quantifying Tax Credits for People Now Buying Insurance on Their Own

Aug 14, 2013
Issue Brief

This analysis estimates that Americans currently buying insurance on the individual market would receive $2700 in subsidies (as tax credits) in 2014 under Obamacare. Tax credits are available for qualifying people buying insurance through the new health care marketplaces, or exchanges.
Beyond Rebates: How Much Are Consumers Saving from the ACA’s Medical Loss Ratio Provision?

Jun 6, 2013
Perspective

The Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA) saved consumers an estimated $2.1 billion last year, in the form of lower premiums and rebates, according to a new analysis by the Kaiser Family Foundation. Under health reform, insurers must issue consumer rebates if they fail to spend a certain portion of premium income on health care claims and quality improvement expenses, thereby limiting what they may spend on administrative expenses or keep as profits.
Premium Payments if Enhanced Premium Tax Credits Expire

Sep 19, 2025
Issue Brief

This data note examines how the expiration of the ACA's enhanced premium tax credits could affect the out-of-pocket portion of premiums for different households.
Tariffs Are Driving up Premiums for Small Businesses

Aug 25, 2025
Policy Watch

Some insurers in the ACA’s small group market are citing tariffs, particularly those affecting prescriptions drugs, as a reason for higher-than-expected premium increases.
Poll: Public Views “Big Beautiful Bill” Unfavorably by Nearly a 2-1 Margin; Democrats, Independents and Non-MAGA Republicans Oppose It, While MAGA Supporters Favor It

Jun 17, 2025
News Release

Medicaid Work Requirements Are Generally Popular, But Arguments Can Shift Views Nearly two-thirds (64%) of the public holds unfavorable views of the “One Big Beautiful Bill” passed last month by the House, nearly twice the share who view the bill favorably (35%), a new KFF Health Tracking Poll finds.
We’ve Never Seen Health Care Cuts This Big

Jul 1, 2025
Perspective

In this July 1 column for The New York Times Opinion section, KFF Executive Vice President for Health Policy Larry Levitt explains how the budget reconciliation bill passed by the Senate on July 1 is effectively a partial repeal of the Affordable Care Act (ACA) and, if signed into law, the resulting reductions in Medicaid…