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

Amid Confusion Over US Vaccine Recommendations, States Try To ‘Restore Trust’
Listen: The Surprising Power of Pushback When Health Insurance Won’t Pay
Team Trump’s Answer to Ballooning Obamacare Premiums: Less Generous Coverage
Projected Surge in Uninsured Will Strain Local Health Systems
El aumento de personas sin seguro médico pondrá en aprietos a los sistemas de salud locales

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New England Journal of Medicine: Undermining Genetic Privacy? Employee Wellness Programs and the Law

May 24, 2017
Perspective

In this May 2017 post, Karen Pollitz and co-author Kathy L. Hudson discuss how H.R. 1313, the Preserving Employee Wellness Programs Act, could substantially change current legal protections for the collection and treatment of genetic information and other personal health information under workplace wellness programs. The post is now available from the New England Journal of Medicine.
Analysis: 6.3 Million People with Pre-Existing Conditions Would Be at Risk for Higher Premiums under the House’s Health Bill

May 17, 2017
News Release

A new Kaiser Family Foundation analysis estimates that 6.3 million people -- 23 percent of 27.4 million non-elderly adults with a gap of several months in insurance coverage in 2015 – could potentially face higher premiums under the House’s American Health Care Act (AHCA), due to pre-existing health conditions.
Gaps in Coverage Among People With Pre-Existing Conditions

May 17, 2017
Issue Brief

The American Health Care Act (AHCA), which has passed the House of Representatives, contains a controversial provision that would allow states to waive community rating in the individual insurance market. In this brief we estimate the number of people with pre-existing conditions who might be affected by such a policy.
Primas y créditos impositivos bajo la Ley de Cuidado de Salud Asequible (ACA) vs el American Health Care Act (AHCA): Mapa Interactivo

May 2, 2017
Interactive

Estos mapas comparan los estimados de los créditos impositivos que los consumidores recibirían para pagar las primas en 2020, por condado, bajo la Ley de Cuidado de Salud Asequible (ACA) con lo que recibirían bajo el proyecto de líderes republicanos del Congreso llamado American Health Care Act (AHCA), que se dio a conocer el 6 de marzo.
Premiums and Tax Credits Under the Affordable Care Act vs. the American Health Care Act: Interactive Maps

Apr 27, 2017
Interactive

Compare county-level estimates of premiums and premium tax credits consumers would receive under the Affordable Care Act in 2020 with what they’d receive under the American Health Care Act legislation released March 6 by Republican leaders in Congress.
Poll: Majority Opposes Hard-Ball Negotiating Tactics to Replace the Affordable Care Act, But Republicans Support It

Apr 26, 2017
News Release

Somewhat More Want President Trump and Republicans to Continue Working on ACA Repeal and Replace than Want Them to Move onto Other Priorities With President Trump and Congress continuing to discuss repealing and replacing the Affordable Care Act, a majority of the public opposes using hard-ball tactics as a way to force Democrats in Congress…
Kaiser Health Tracking Poll – Late April 2017: The Future of the ACA and Health Care & the Budget

Apr 26, 2017
Report

With the ongoing debate about the future of the Affordable Care Act (ACA), the latest tracking poll examines the public awareness of and attitudes about some recent developments related to the 2010 health care law, including uncertainty about cost-sharing reduction payments and insurers opting out of some health insurance marketplaces. The poll also takes a look at Americans’ budget and health care priorities.
Federal Government Could See Net Increase of $2.3 Billion in Costs in 2018 if ACA Cost-Sharing Reduction Payments Eliminated

Apr 25, 2017
News Release

Ceasing payments for the Affordable Care Act’s (ACA) cost-sharing reduction program could save $10 billion, but cost an additional $12.3 billion in premium tax credits – an estimated net increase of $2.
The Effects of Ending the Affordable Care Act’s Cost-Sharing Reduction Payments

Apr 25, 2017
Issue Brief

This analysis estimates that total federal spending on Affordable Care Act marketplace subsidies would rise $2.3 billion, or 23 percent, in 2018 if payments for the cost-sharing reduction program were eliminated and insurers increased premiums to compensate. Established to reduce out-of-pocket costs for marketplace enrollees with lower incomes, the cost-sharing payments are being challenged in a lawsuit from the U.S. House.
Analysis: Insurer Financial Indicators Show Signs of Stabilizing After Transition to ACA Marketplaces

Apr 21, 2017
News Release

A new Kaiser Family Foundation analysis of key insurer financial indicators suggests that the individual insurance market showed signs of stabilizing in 2016, although profitability remained below the level of performance prior to the opening of the Affordable Care Act’s insurance marketplaces.

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Private Insurance

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Amid Confusion Over US Vaccine Recommendations, States Try To ‘Restore Trust’

Listen: The Surprising Power of Pushback When Health Insurance Won’t Pay

Team Trump’s Answer to Ballooning Obamacare Premiums: Less Generous Coverage

Projected Surge in Uninsured Will Strain Local Health Systems

El aumento de personas sin seguro médico pondrá en aprietos a los sistemas de salud locales

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