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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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Premiums and Tax Credits under the Affordable Care Act vs. the Senate Better Care Reconciliation Act: Interactive Maps

Jul 24, 2017
Interactive

This map compares county-level projections of premiums and tax credits for marketplace enrollees under the Affordable Care Act (ACA) in 2020 with estimates for the Better Care Reconciliation Act (BCRA) as unveiled July 20 by Senate Republicans.
Early 2017 Financial Data Indicate Stabilizing Individual Insurance Market

Jul 10, 2017
News Release

Insurer financial data through the first quarter of 2017 suggest the individual market has been stabilizing and insurers in this market are regaining profitability, finds a new analysis from the Kaiser Family Foundation.
Association Health Plans for Small Groups and Self-Employed Individuals under the Better Care Reconciliation Act

Jun 30, 2017
Issue Brief

A provision in the Senate Better Care Reconciliation Act (BCRA), a bill to repeal and replace the Affordable Care Act (ACA), would establish association health plan options for small employers and self-employed individuals. For these plans, the requirement that premiums cannot vary based on health status would not apply. This brief describes how association health plans could affect premiums in the small group and non-group markets.
ACA Replacement Plans and the Individual Market

Jun 28, 2017
Feature

This slideshow compares premiums and tax credits under proposed replacement plans for the Affordable Care Act, including the Senate's Better Care Reconciliation Act and the House-passed American Health Care Act.
Why the Senate’s Health-Care Plan Wouldn’t work in the Real World

Jun 27, 2017
From Drew Altman

In a Washington Post op-ed, Drew Altman dissects the difference between the talking points and the reality of the Senate health bill to replace the Affordable Care Act and change Medicaid.
Media Availability on Senate Health Bill

Event Date: Jun 27, 2017

Event

The Kaiser Family Foundation held a media-only conference call Tuesday, June 27, with key experts to explain the Senate Republican health bill and to answer questions about its implications and the CBO’s scoring of the bill.
Premiums under the Senate Better Care Reconciliation Act

Jun 26, 2017
Issue Brief

This analysis provides estimates of how premiums, after taking into account tax credits, would differ in 2020 under the Senate's Better Care Reconciliation Act (BCRA) vs. the Affordable Care Act (ACA) for people currently enrolled in the federal and state insurance marketplaces.
Estimates: Average Monthly Premium after Tax Credit Would Be 74% Higher Under Senate Health Bill in 2020

Jun 26, 2017
News Release

A new analysis from the Kaiser Family Foundation estimates that the average monthly premium for a benchmark silver plan after tax credits in 2020 would be 74 percent higher under the Senate’s Better Care Reconciliation Act (BCRA) compared to the Affordable Care Act (ACA).
New County-Level Map Compares Premiums and Tax Credits Under Senate Health Bill and ACA

Jun 23, 2017
News Release

A new interactive map from the Kaiser Family Foundation compares county-level estimates of premiums that consumers would pay under the Affordable Care Act (ACA) in 2020 with what they’d pay under the Senate’s discussion draft, Better Care Reconciliation Act (BCRA), a replacement plan unveiled last Thursday.
Favorability of the Affordable Care Act Tops 50%, While Across Many Measures, Majorities Oppose the Republican Plan to Replace It

Jun 23, 2017
News Release

Three-Quarters of the Public, Including Most Republicans, View Medicaid Favorably; Most Oppose Federal Funding Cuts to States As the Senate prepares to vote on the Republican bill to repeal and replace the Affordable Care Act and cap federal Medicaid funding, a new Kaiser Family Foundation Tracking Poll finds most Americans oppose the Republican plan and…

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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

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’

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