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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.

INDIVIDUAL MARKET

Examining Short-Term Limited-Duration Health Plans

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

How Affordability of Employer Coverage Varies by Family Income

Expansions to HSAs in House Budget Reconciliation

Higher Premiums Persist, Employer Strategies For GLP-1

Americans’ Challenges with Health Care Costs

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  • Comparison of Consumer Protections in Three Health Insurance Markets: Medicare Advantage, Qualified Health Plans and Medicaid Managed Care Organizations

    Report

    This report examines similarities and differences in federal consumer protection standards for Medicare Advantage (MA) plans, Qualified Health Plans (QHPs), and Medicaid Managed Care Organizations (MCOs). It focuses on rules established at the federal level, though some states have chosen to go above the federal minimums and impose additional requirements for QHPs and Medicaid MCOs.

  • JAMA Forum: Of SCOTUS and Chicken

    Perspective

    Larry Levitt's March 2015 post explores what could happen if the U.S. Supreme Court rules for the plaintiffs in the King v. Burwell case, the lawsuit that challenges the federal government’s authority to provide financial assistance to people who buy insurance in federally-operated marketplaces created by the Affordable Care Act.

  • Health-Care Deductibles Climbing Out of Reach 

    News Release

    In his latest column for The Wall Street Journal's Think Tank, Drew Altman explores the trend of higher deductibles in health plans and discusses a new analysis showing that many people with insurance don’t have sufficient financial resources to pay a mid- or high-range deductible. All previous columns by Drew Altman are available online.

  • Health-Care Deductibles Climbing Out of Reach

    From Drew Altman

    In this column for The Wall Street Journal's Think Tank, Drew Altman explores the trend of higher deductibles in health plans and discusses a new analysis showing that many people with private insurance don’t have sufficient financial resources to pay a mid- or high-range deductible.

  • Consumer Assets and Patient Cost Sharing

    Issue Brief

    Higher cost sharing in private insurance has been credited with helping to slow the growth of health care costs in recent years. For families with low incomes or moderate incomes, however, high deductibles, out-of-pocket limits and other cost sharing can be a potential barrier to care and may lead these families to significant financial difficulties. This issue brief uses information from the Federal Reserve Board's 2013 Survey of Consumer Finances to look at how household resources match up against potential cost-sharing requirements for plans offered by employers or available in the individual market, including in the Affordable Care Act marketplaces.

  • ACA 101: What You Need To Know

    Event Date:
    Event

    On Friday, March 6, 2014, the Kaiser Family Foundation and the Alliance for Health Reform hosted an ACA 101 briefing on the Affordable Care Act. The briefing took place just as the second marketplace enrollment period ended, and the Supreme Court heard oral arguments in a case challenging the ACA's subsidies (King v Burwell).

  • Insurance Markets in a Post-King World

    Perspective

    This perspective addresses how insurance markets might respond if the US Supreme Court sides with the plaintiffs in the King v. Burwell case. The case challenges the legality of premium and cost-sharing subsidies for low- and middle-income people buying insurance in states where the federal government rather than the state is operating the marketplace under the Affordable Care Act (ACA).

  • The Health-Care Enrollment Story Is in the States

    News Release

    In his latest column for The Wall Street Journal's Think Tank, Drew Altman examines the variation among states beneath the national Affordable Care Act’s Marketplace enrollment numbers released by the U.S. Department of Health and Human Services. All previous columns by Drew Altman are available online.