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

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Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Oct 26, 2015
Fact Sheet

The chart and tables below present an updated analysis of changes in premiums for the lowest- and second-lowest cost silver Affordable Care Act (ACA) marketplace plans in major cities in 48 states and the District of Columbia, where we were able to find complete data on rates for all insurers. This page will be updated as complete rate information becomes available for more states. More background can be found in our earlier analysis of 2016 rates.
Employer Family Health Premiums Rise 4 Percent to $17,545 in 2015, Extending a Decade-Long Trend of Relatively Moderate Increases

Sep 22, 2015
News Release

Since 2010, Deductibles for All Workers Have Risen Almost Three Times as Fast as Premiums and About Seven Times as Fast as Wages and Inflation Facing New Requirements, Few Employers Make Changes to Workers' Hours Menlo Park, Calif.
2015 Employer Health Benefits Chart Pack

Sep 22, 2015
Feature

Employer Health Benefit Survey 2015 – Chart Pack Download…
Why Consumer Issues Are Rising on the Health Agenda

Sep 22, 2015
From Drew Altman

In this column for The Wall Street Journal’s Think Tank, Drew Altman examines the trends that may be leading to a rise in consumer cost issues on the health agenda.
Two Substantive Sides to Debate Over Obamacare’s ‘Cadillac Tax’

Oct 2, 2015
From Drew Altman

In this column for The Wall Street Journal’s Think Tank, Drew Altman says debate about whether to keep or repeal the Cadillac tax is more than a debate between sound policy and good politics, there are strong substantive arguments on both sides.
Grandfathering Explained

Sep 8, 2011
Perspective

The Republican leadership in the House of Representatives recently indicated that it will be seeking to repeal regulations under the Affordable Care Act (ACA) that govern the “grandfathered” status of health plans.
Peering Into the Black Box of Insurance Rating

Jun 7, 2011
Perspective

Recently, the New York Times reported that private health insurers continue to seek large premium increases despite seeing lower than expected use of medical care and booking record profits.
Insurance Coverage of Contraceptives

Feb 21, 2012
Perspective

In this post, we answer some of the key questions about the new contraceptive coverage policy generally, and more specifically, how it will be applied to religious organizations.
Annual Change in Per Enrollee Medicare and Private Health Insurance Spending, 1970-2011

Jul 15, 2013
Feature

Annual Change in Per Enrollee Medicare and Private Health Insurance Spending, 1970-2011 Download Source Centers for Medicare & Medicaid Services, Office of the Actuary, National Health Statistics Group: National Health Expenditure Historical Data, 2013.
The Numbers Behind “Young Invincibles” and the Affordable Care Act

Dec 17, 2013
Perspective

As enrollment statistics in the new health insurance marketplaces start to become available, there is a growing focus on whether the enrollment of so-called “young invincibles” will be sufficient to keep insurance markets stable.

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

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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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