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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The ‘Value’ Trade-Off in High-Deductible Health Plans

May 21, 2015
From Drew Altman

In this column for The Wall Street Journal’s Think Tank, Drew Altman discusses new Foundation survey findings showing that most consumers see their high deductible health plans as a bad value.
4.2 Million Uninsured People Could Get a Bronze Plan in the ACA Marketplace with $0 Premiums After Tax Credits

Dec 11, 2018
News Release

We have data on the number and share of uninsured in each state who have access to free bronze plans.
2018 Employer Health Benefits Chart Pack

Oct 3, 2018
Feature

2018-EHBS-Release-Slides Download…
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.
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.
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.
Corporate health costs don’t look like a crisis

Oct 1, 2018
From Drew Altman

n this Axios column, Drew Altman presents a puzzle around corporate health costs: companies are talking like there is a crisis, but new data doesn’t really show it.
Summary of Findings: Privatization of Public Hospitals

Aug 30, 1998
Poll Finding

This Summary presents background, findings, and data from the Economic and Social Research Institute's (ESRI) full report, Privatization of Public Hospitals. Section I provides background about public hospital conversions, including the role of public hospitals, reasons for conversion, the mechanisms of conversion and new ownership entities, and analysis of national and regional public hospital data.
Health Coverage for the Unemployed

Jun 1, 2011
Issue Brief

This policy brief outlines the challenges facing the unemployed as they seek to remain insured after losing jobs and employer-sponsored health coverage. In May 2011, 13.9 million people in the U.S. were unemployed. Of these, 6.2 million had been unemployed for six months or more and faced limited options to remain insured.