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

KFF Health News' 'What the Health?': On Capitol Hill, RFK Defends Firings at CDC
La administración Trump investiga el gasto de estados demócratas en Medicaid para inmigrantes
Trump Administration Investigates Medicaid Spending on Immigrants in Blue States
He Built Michigan’s Medicaid Work Requirement System. Now He’s Warning Other States.
As Insurers Struggle With GLP-1 Drug Costs, Some Seek To Wean Patients Off

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Implementation of the ACA in Kentucky: Lessons Learned to Date and the Potential Effects of Future Changes

Apr 20, 2016
Issue Brief

This issue brief reviews Kentucky’s experiences expanding coverage under the Affordable Care Act (ACA) to highlight lessons learned about what has contributed to the state’s implementation success. It also highlights changes being made to the Marketplace and Medicaid coverage in Kentucky and the potential impact of these changes moving forward.
Web Briefing for Journalists – ACA Cost-Sharing Subsidies: How One Decision Could Disrupt Obamacare Marketplaces

Event Date: Apr 6, 2017

Event

Premiums, insurer choice, and overall stability of 2018 Affordable Care Act (ACA) marketplaces could be affected by decisions from Congress and the Trump Administration on the health law’s cost-sharing reduction provision.
Changing Rules for Workplace Wellness Programs: Implications for Sensitive Health Conditions

Apr 7, 2017
Issue Brief

With legislation pending in Congress that would substantially change federal rules governing workplace wellness programs, this brief reviews relevant data about employers' use of wellness programs and financial incentives and the incidence of certain sensitive or potentially stigmatized health conditions among adults covered under employer-sponsored health plans.
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.
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…
California’s Uninsured on the Eve of ACA Open Enrollment

Sep 26, 2013
Report

This report presents the findings of a baseline survey of California’s uninsured adult population just before the start of the first open enrollment period under the Affordable Care Act (ACA).
Obamacare and You: If You Have Job-Based Coverage

Oct 1, 2013
Fact Sheet

This short explainer outlines key changes for people with employer-based health benefits under the Affordable Care Act (ACA), also known as Obamacare.
Obamacare y Usted: Si tiene seguro médico a través de un empleador

Nov 7, 2013
Fact Sheet

Si usted tiene cobertura de beneficios de salud a través de su empleador o del empleador de un miembro de su familia, usted probablemente pueda mantener esa cobertura y no tener que hacer ningún cambio.
Favorability of the Affordable Care Act Tops 50%, While Across Many Measures, Majorities Oppose the Republican Plan to Replace It

Jun 23, 2017
News Release

Three-Quarters of the Public, Including Most Republicans, View Medicaid Favorably; Most Oppose Federal Funding Cuts to States As the Senate prepares to vote on the Republican bill to repeal and replace the Affordable Care Act and cap federal Medicaid funding, a new Kaiser Family Foundation Tracking Poll finds most Americans oppose the Republican plan and…
The Republicans’ Jekyll-and-Hyde Health Care Plan

Jun 22, 2017
From Drew Altman

In this New York Times op-ed, "The Republicans' Jekyll-and-Hyde Health Care Plan," Drew Altman examines the Senate health plan.