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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

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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  • Kaiser Health Tracking Poll: Health Care Priorities for 2017

    Feature

    The most recent Kaiser Health Tracking Poll finds that health care is among the top issues, with the economy and jobs and immigration, Americans want President-elect Donald Trump and the next Congress to address in 2017. As Congressional lawmakers make plans for the future of the Affordable Care Act, the latest survey finds the public is divided on what they would like lawmakers to do when it comes to the 2010 health care law with similar shares saying the next Congress should vote to repeal the law (49%) as saying that it should not vote to repeal it (47%).

  • High-Risk Pools as Fallback for High-Cost Patients Require New Rules

    From Drew Altman

    In this Wall Street Journal Think Tank column, Drew Altman examines how Republicans would “split the risk pools” between the healthier and the sick in their Affordable Care Act replacement plans, using state high risk pools as a fallback for higher cost patients, and examines the steps that would be necessary to make them effective based on prior experience in the states.

  • What Do We Know About People with High Out-of-Pocket Spending?

    Feature

    Based on an analysis of claims data, this slideshow examines overall trends, gender and age of high out-of-pocket spenders in large employer health plans, as well as differences in out-of-pocket health expenditures across diseases.

  • Web Briefing for Journalists: Marketplace Open Enrollment in the Trump Era

    Event Date:
    Event

    With the Trump administration’s announcements last week, the landscape around Affordable Care Act marketplaces and the open enrollment period beginning Nov. 1 continues to shift. Though the 2010 health law remains intact for now, consumers will see fundamental differences this year when it comes to signing up for 2018 marketplace plans.

  • Kaiser Health Tracking Poll – October 2017: Experiences of the Non-Group Marketplace Enrollees

    Feature

    The start of the open enrollment period for non-group insurance in 2018 is less than one month away, and the majority of individuals who are targets for enrollment – those who currently purchase their own insurance and those who are uninsured – are unaware of the key dates of the next open enrollment period. This report, focusing on enrollees in the non-group market, compares the experiences of individuals who purchase their own insurance through an ACA marketplace with the current health insurance market to those who get their insurance through their employer. Overall, the experiences of marketplace enrollees are more similar than different than those with employer coverage when it comes to costs and choices. However, marketplace enrollees are more likely to express worry about their future ability to afford insurance and health care services.