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

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
Fighting a Health Insurance Denial? Here Are 7 Tips To Help

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Web Briefing: What Should Consumers Know about ACA Open Enrollment in Illinois, Michigan, and Wisconsin?

Event Date: Oct 26, 2017

Event

The Kaiser Family Foundation will hold a web briefing focusing on key information for individuals shopping for Affordable Care Act (ACA) marketplace coverage in Illinois, Michigan, and Wisconsin.
Web Briefing: What Should Consumers Know about ACA Open Enrollment in Florida and Texas?

Event Date: Oct 27, 2017

Event

The Kaiser Family Foundation will hold a web briefing focusing on key information for individuals shopping for Affordable Care Act (ACA) marketplace coverage in Florida and Texas.
How the Loss of Cost-Sharing Subsidy Payments is Affecting 2018 Premiums

Oct 27, 2017
Issue Brief

This analysis of 32 states and Washington, D.C., tracks data on 2018 Affordable Care Act (ACA) marketplace premium increases that insurers directly attributed to the end of cost-sharing reduction payments, which reimburse insurers for providing marketplace health plans with reduced out-of-pocket costs for lower-income people. Following months of uncertainty, the Trump administration announced on Oct. 12 that the payments would be discontinued immediately, although insurers must still offer the subsidized coverage.
ANALYSIS: ACA Silver Plan Premium Increases from 7% to 38% Attributed to End of Cost-Sharing Payments

Oct 27, 2017
News Release

Insurers factored in premium increases ranging from 7 percent to 38 percent exclusively in silver plans to absorb the financial impact of the loss of cost-sharing reduction payments from the federal government, a new Kaiser Family Foundation analysis finds.
ANALYSIS: ACA Marketplace Premiums Rise Substantially in 2018, But Many Will Pay Less for Coverage

Oct 30, 2017
News Release

Premiums will rise substantially in 2018 Affordable Care Act marketplace plans for states using HealthCare.gov, but in many cases, people receiving premium tax credits will pay less than they did in 2017, a new Kaiser Family Foundation analysis finds.
Consumers Receiving Subsidies Could See Their Marketplace Premiums Fall in 2018

Nov 2, 2017
Feature

Consumers Receiving Subsidies Could See Their Marketplace Premiums Fall in 2018
One Big Thing People Don’t Know About Single Payer

Nov 2, 2017
From Drew Altman

In this Axios column, Drew Altman discusses a challenge for single payer which has not received much attention – a large share of the American people do not think they would have to change their current health insurance arrangements if there were a Medicare-for-all style single payer plan.
New Individual Mandate Penalty Calculator Helps Consumers Estimate Their Penalty for Being Uninsured in 2018

Nov 7, 2017
News Release

A new individual mandate penalty calculator from the Kaiser Family Foundation allows consumers to estimate how much they would owe as a tax penalty for lacking health coverage in 2018, and to compare that amount to the cost of the least expensive 2018 Affordable Care Act marketplace plan in their local area.
State Flexibility to Address Health Insurance Challenges under the American Health Care Act, H.R. 1628

Jun 5, 2017
Issue Brief

The American Health Care Act (AHCA), a bill passed by the House in May 2017 to repeal and replace the Affordable Care Act (ACA), would present states with new authority in individual insurance markets, along with a number of difficult problems and choices and limited resources with which to address them. States would be able to obtain waivers and would be eligible for $123 billion in grant funds, including money from a new Patient and State Stability fund, to help offset these impacts, but would face difficult tradeoffs.
What Challenges Could State Insurance Markets Face Under the House’s American Health Care Act?

Jun 5, 2017
News Release

A new brief from the Kaiser Family Foundation outlines options for state insurance markets and challenges that states could face under the House’s replacement for the Affordable Care Act (ACA).