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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2017 Employer Health Benefits Chart Pack

Sep 19, 2017
Feature

9060_2017 Employer Health Benefits Survey Chart Pack Download…
Premiums for Employer-Sponsored Family Health Coverage Rise Slowly for Sixth Straight Year, Up 3% but Averaging $18,764 in 2017

Sep 19, 2017
News Release

Workers Covered By Smaller Firms Pay More Toward Family Premiums and in Cost Sharing Than Those in Larger Ones Menlo Park, Calif.
The ACA Family Glitch and Affordability of Employer Coverage

Apr 7, 2021
Issue Brief

This analysis estimates that 5.1 million people fall into the Affordable Care Act's "family glitch," which occurs when a worker receives an offer of affordable employer coverage for themselves but not for their dependents, making them ineligible for financial assistance for marketplace coverage. It explores the demographic characteristics of this group, including state-level estimates.
Analysis Estimates 5.1 Million People Fall into the Affordable Care Act’s “Family Glitch”

Apr 7, 2021
News Release

A new KFF analysis estimates 5.1 million people nationally fall into the Affordable Care Act’s “family glitch” that occurs when a worker receives an offer of affordable employer coverage for themselves but not for their dependents, making them ineligible for financial assistance for marketplace coverage.
How Lowering the Medicare Eligibility Age Might Affect Employer-Sponsored Insurance Costs

Apr 27, 2021
Issue Brief

This analysis for the Peterson-KFF Health System Tracker illustrates the potential for employer savings if the age of Medicare eligibility were lowered to 60, as proposed by President Biden during the 2020 campaign.
Most private insurers are no longer waiving cost-sharing for COVID-19 treatment

Aug 19, 2021
Issue Brief

This analysis finds nearly three quarters of the largest health plans in each state are no longer waiving enrollees’ cost-sharing requirements for COVID-19 treatment as of August 2021. Insurers largely waived those costs early in the pandemic, before safe and effetive vaccines were available.
Marketplace Sign-ups Increased by 21% in 2022

Jan 28, 2022
Feature

Forty-seven states saw Marketplace enrollment increase, ranging from 1% in Rhode Island to 42% in Texas. In 20 states, enrollment increased by more than 20%.
No Surprises Act Quiz

Mar 17, 2022
Feature

A new federal law provides new consumer protections against "surprise" medical bills beginning this year. Test your knowledge about its provisions with this 12-question quiz.
Many households do not have enough money to pay cost-sharing typical in private health plans

Mar 10, 2022
Issue Brief

This analysis assesses whether people can afford to pay cost-sharing amounts common with private insurance plans. It finds that large shares of non-elderly households do not have enough liquid assets to meet typical plan cost-sharing amounts.
Ten Changes to Watch in Open Enrollment 2022

Oct 29, 2021
Issue Brief

Even as the ninth annual Open Enrollment period gets underway, the Affordable Care Act (ACA) Marketplaces continue to evolve and important changes are expected. This issue brief discusses what changes to watch out for in the coming enrollment period.

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Listen: The Surprising Power of Pushback When Health Insurance Won’t Pay

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?

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