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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People who are eligible for ACA premium subsidies make up an increasingly larger share of the individual market

Aug 2, 2018
Feature

Source Kaiser Family Foundation analysis of data from Mark Farrah Associates Health Coverage Portal TM and Centers for Medicare and Medicaid Services (CMS)…
Enrollment in the Individual Insurance Market Continued to Fall in the First Quarter of 2018, With the 12 Percent Overall Decline Concentrated in Off-Exchange Plans

Jul 31, 2018
News Release

Enrollment in the individual insurance market continued to shrink in the first quarter of 2018, declining by 12 percent compared to the first quarter of 2017, according to a new analysis from the Kaiser Family Foundation.
How will marketplace premiums change in 2019? It depends where you live.

Jun 21, 2018
Feature

Source Tracking 2019 Premium Changes on ACA Exchanges…
Short-Term Limited Duration Plans and HIV

Jun 21, 2018
Issue Brief

Given the Trump Administration’s promotion of short-term limited-duration (STLD) health insurance policies, this brief examines what they mean for people with HIV. The analysis assesses whether people with HIV could enroll in STLD plans by applying to 38 plans across five states and getting in each case. It also assesses whether such plans could meet basic HIV care and treatment needs for someone diagnosed once enrolled. This finding takes on new importance in light of the Administration’s decision not to defend the ACA and to argue for eliminating pre-existing condition protections.
Federal law market rules for private health insurance sold to individuals and groups

Jun 14, 2018
Feature

preex by market pre post aca Download Source Kaiser Family Foundation…
Trump gives Democrats a big health care opening for the midterms

Jun 11, 2018
From Drew Altman

In an Axios column, Drew Altman analyzes the narrowing gap between growth in health spending and GDP and discusses why it matters. The big question, he says, is will the narrowing have staying power?
New KFF Resource Tracks Proposed 2019 Marketplace Premiums By State

Jun 7, 2018
News Release

The Kaiser Family Foundation today launched a tracker to monitor preliminary 2019 premiums in the Affordable Care Act’s marketplaces as insurers file rate information with state regulators.
Why Some Employers are Turning to Progressive Health Benefits

Jun 6, 2018
From Drew Altman

In this Axios column, Drew Altman examines the status of progressive health benefits (health benefits linked to wage levels) and their pros and cons at a time when employee health costs are rising and wages are flat.
Analysis: Individual Market Insurers Experienced Their Best Financial Year under the ACA in 2017, Though Subsequent Political and Policy Changes Complicate the Outlook for Future Years

May 17, 2018
News Release

Insurers in 2017 had their best financial year selling individual market health insurance since the Affordable Care Act began requiring guaranteed access to coverage for people with pre-existing conditions in 2014, though recent political and policy changes create new challenges for insurers trying to succeed in this market, new Kaiser Family Foundation analysis finds.
Individual Insurance Market Performance in 2017

May 17, 2018
Issue Brief

This brief examines recently-released annual financial data from 2017 and finds insurers selling individual market plans had their best financially since 2014, when new ACA insurance market rules took effect that guaranteed access to coverage for people with pre-existing conditions. At the same time, recent political and policy changes, including the repeal of the individual mandate penalty as part of tax reform legislation and proposed regulations to expand loosely-regulated short-term insurance plans, cloud plans’ outlook going forward.