Private Insurance

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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

Latest News

Under Trump, FDA Seeks To Abandon Expert Reviews of New Drugs
Watch: Why Is Having a Baby So Expensive in the US?
Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.
Luego de los recortes de Trump a la salud, estados enfrentan decisiones presupuestarias difíciles
In the Fallout From Trump’s Health Funding Cuts, States Face Tough Budget Decisions

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Repeal of Obamacare Could Cause the ‘Death Spiral’ Critics Warned About

Dec 12, 2016
Perspective

Originally published in The Los Angeles Times, this perspective examines the potential implications for the individual market if key parts of the Affordable Care Act were repealed without a replacement plan.
Kaiser Health Tracking Poll: Health Care Priorities for 2017

Jan 6, 2017
Feature

The most recent Kaiser Health Tracking Poll finds that health care is among the top issues, with the economy and jobs and immigration, Americans want President-elect Donald Trump and the next Congress to address in 2017. As Congressional lawmakers make plans for the future of the Affordable Care Act, the latest survey finds the public is divided on what they would like lawmakers to do when it comes to the 2010 health care law with similar shares saying the next Congress should vote to repeal the law (49%) as saying that it should not vote to repeal it (47%).
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.
Counties at Risk of Having No Insurer on the Marketplace (Exchange) in 2018

Aug 18, 2017
Interactive

This map shows the counties at risk of having no insurer on the marketplace (exchange), created by the Affordable Care Act, in 2018, based on a Kaiser Family Foundation analysis of insurer rate filings and news reports.
Analysis: Before ACA Benefits Rules, Care for Maternity, Mental Health, Substance Abuse Most Often Uncovered by Non-Group Health Plans

Jun 14, 2017
News Release

Three in four health plans in the non-group insurance market did not cover delivery and inpatient maternity care in 2013, before the Affordable Care Act (ACA) essential health benefits requirement took effect, finds a new Kaiser Family Foundation analysis.
Map: Counties at Risk of Zero Insurers Offering Plans in the 2018 Marketplace

Jun 20, 2017
News Release

Ahead of the June 21 federal deadline for insurers to submit rates for healthcare.gov, the Kaiser Family Foundation has released a new map that will track counties at risk of zero insurers offering plans in the 2018 marketplace.
The Republican Health-care Plan the Country Isn’t Debating

Feb 9, 2017
From Drew Altman

In this Washington Post op-ed, Drew Altman discusses how Republicans' ideas to change Medicaid and Medicare and repeal the Affordable Care Act would fundamentally change the federal role in health, calling it: the biggest change in health we are NOT debating.
The American Health Care Act: New House GOP Bill Summary and Interactive Maps of Its Effects on Tax Credits

Mar 7, 2017
News Release

The Kaiser Family Foundation today issued a summary of the Republican House leadership’s March 6 proposed Affordable Care Act (ACA) replacement bill, the American Health Care Act, that can be compared in 17 key policy areas to the ACA and several other proposed replacement plans.
The ACA Stability “Crisis” In Perspective

Aug 10, 2017
From Drew Altman

In this column for Axios, Drew Altman presents new data analysis showing how many people are impacted by premium increases in the non-group market, and discusses the implications.
Where President-elect Donald Trump Stands on Six Health Care Issues

Nov 9, 2016
Issue Brief

Where does President-elect Donald Trump stand on key health care issues? This snapshot outlines his positions and policy statements during the campaign on issues such as health insurance, the ACA, Medicaid, Medicare, the opioid epidemic, prescription drug costs, and women's reproductive health.

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Private Insurance

Latest News

Under Trump, FDA Seeks To Abandon Expert Reviews of New Drugs

Watch: Why Is Having a Baby So Expensive in the US?

Trump’s Medicaid Cuts Were Aimed at ‘Able-Bodied Adults.’ Hospitals Say Kids Will Be Hurt.

Luego de los recortes de Trump a la salud, estados enfrentan decisiones presupuestarias difíciles

In the Fallout From Trump’s Health Funding Cuts, States Face Tough Budget Decisions

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