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

Latest News

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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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How Does Prescription Drug Spending and Use Compare Across Large Employer Plans, Medicare Part D, and Medicaid?

May 20, 2019
Issue Brief

Prescription drug costs are a pressing concern for both consumers and policymakers. This analysis compares prescription drug spending and use in large private employer plans, Medicare Part D, and Medicaid, based primarily on claims data by payer, which does not account for rebates.
New Analysis Compares Prescription Drug Spending and Use Across Large Employer Plans, Medicare, and Medicaid

May 20, 2019
News Release

As policymakers debate how to address the high cost of prescription drugs, a new KFF analysis compares data on prescription drug spending and use across large employer plans, Medicare Part D and Medicaid, and provides context for policy discussions about different approaches to curb rising drug costs that would affect people covered by each of…
For Low-Income People, Employer Health Coverage is Worse Than ACA

Apr 15, 2019
From Drew Altman

In this Axios column, Drew Altman shows that employer coverage for lower wage workers is much worse than ACA marketplace coverage for similar populations. It’s a bigger problem we need to talk about more, he says.
JAMA Forum: Medicare-For-All or Medicare-For-More?

May 22, 2019
Perspective

In this May 2019 post for The JAMA forum, Larry Levitt examines how the early discussion and positioning among the presidential candidates offers a glimpse into how a debate about Medicare-for-all might play out.
About 1 in 6 Emergency Visits and Hospital Stays Had At Least One Out-of-Network Charge in 2017

Jun 20, 2019
News Release

In roughly 1 of every 6 emergency room visits and inpatient hospital stays in 2017, patients came home with at least one out-of-network medical bill, a new KFF analysis finds.
Financial Performance of Medicare Advantage, Individual, and Group Health Insurance Markets

Aug 5, 2019
Issue Brief

Three key private health insurance markets -- Medicare Advantage, the individual market and the fully-insured group market -- appear to be financially healthy and attractive to insurers. The private Medicare Advantage market generates significantly larger gross margins per person than the individual market or fully-insured market. The future of these markets has become a focus for policymakers amid the debate over Medicare for All.
As Policymakers Debate Medicare-for-All, Analysis Finds the Medicare Advantage, Individual and Group Health Insurance Markets Appear to Be Profitable, Especially Medicare Advantage

Aug 5, 2019
News Release

Three key private health insurance markets -- Medicare Advantage, the individual market and the fully-insured group market -- appear to be financially healthy and attractive to insurers, according to a new KFF analysis. The private Medicare Advantage market generates significantly larger gross margins per person than the individual market or fully-insured market, the analysis finds.
Enrollment in Individual Market Dips Slightly in Early 2019 after Repeal of Individual Mandate Penalty

Aug 21, 2019
News Release

Overall enrollment in the individual market fell 5% to 13.7 million in the first quarter of 2019 following the repeal of the ACA’s individual mandate penalty.
Among People with Employer Coverage, Those with Persistently High Spending for Several Years Averaged Almost $88,000 in Health Spending in 2017

Jul 24, 2019
News Release

Among people with three consecutive years of coverage from a large employer, just 1.3 percent of enrollees accounted for 19.5 percent of overall health spending in 2017, finds a new KFF analysis.
KFF Health Tracking Poll – July 2019: The Future of the ACA and Possible Changes to the Current System, Preview of Priorities Heading Into 2nd Democratic Debate

Jul 30, 2019
Feature

This month's KFF Health Tracking Poll explores public opinion towards a government-administered public option, and finds that attitudes can change after hearing common arguments. The poll also examines the public's views toward Medicare-for-all and the Affordable Care Act, as well as the top issues for Democrats ahead of the second round of presidential debates.

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Private Insurance

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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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