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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Distribution of People Ages 0-64 with Employer Coverage by Federal Poverty Level (FPL)

Oct 24, 2024
State Health Facts Indicator
Distribution of People Ages 0-64 with Employer Coverage by Family Work Status

Oct 24, 2024
State Health Facts Indicator
Copay Adjustment Programs: What Are They and What Do They Mean for Consumers?

Oct 24, 2024
Issue Brief

Drug makers sometimes offer copay coupons to lower consumers’ out-of-pocket costs for their brand-name prescriptions, though how private health plans treat those coupons can substantially limit their value to consumers. This issue brief provides an overview of such copay adjustment programs, stakeholder arguments for and against their use, their prevalence, and federal and state efforts to address them.
Dependent Coverage for Young Adults in Employer-Sponsored Health Plans

Oct 21, 2024
Issue Brief

Young adults, particularly those ages 18-25, are more likely to be covered as dependents than adults overall (72% vs. 32%). The Affordable Care Act (ACA) requires most employer plans to allow young adults to remain on a parent’s plan until age 26.
Gaps in Awareness of Insurance Requirements to Cover Preventive Services Among Women

Oct 18, 2024
Issue Brief

KFF's 2024 Women's Health Survey finds that women aren't fully aware that the Affordable Care Act (ACA) requires insurance plans to cover the full cost of recommended preventive health care services - especially contraception.
Annual Family Premiums for Employer Coverage Rise 7% to Average $25,572 in 2024, Benchmark Survey Finds, After Also Rising 7% Last Year

Oct 9, 2024
News Release

Family premiums for employer-sponsored health insurance rose 7% this year to reach an average of $25,572 annually, KFF’s 2024 benchmark Employer Health Survey finds. On average, workers contribute $6,296 annually to the cost of family coverage. This marks the second year in a row that premiums are up 7%.
2024 Employer Health Benefits Survey

Oct 9, 2024
Feature

This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, worker contributions, cost-sharing provisions, offer rates, and more. This year’s report also looks at how employers are addressing a growing need for mental health services.
2024 Employer Health Benefits Chart Pack

Oct 9, 2024
Feature

This slideshow captures key data from the 2024 KFF Employer Health Benefits Survey survey, providing a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing, abortion coverage, offer rates, wellness programs, and other employer practices.
Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2024

Oct 9, 2024
Interactive

This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as for firms with relatively few or many part-time workers, higher- or lower-wage workers, and older or younger workers.
Over-the-Counter Oral Contraceptive Pills

Sep 27, 2024
Issue Brief

Oral contraceptives are the most commonly used method of reversible contraception in the U.S. In July 2023, the FDA approved Opill, the first daily oral contraceptive pill to become available over the counter (OTC) without a doctor’s prescription. This issue brief provides an overview of OTC oral contraceptives and laws and policies related to insurance coverage.

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Private Insurance

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

Projected Surge in Uninsured Will Strain Local Health Systems

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.

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