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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Public’s Views of Doctors, Nurses, Insurance Companies, and Drug Companies Survey

Aug 3, 2020
Poll Finding

This brief survey examines how the public views the motivations of doctors, nurses, insurance companies, and drug companies when it comes to making profits vs. working for the public good. It updates a question asked in 2005 to measure how views have changed over time.
The Pandemic is Boosting the Public’s View of Doctors

Aug 3, 2020
From Drew Altman

In this Axios column, Drew Altman looks at how the heroic performance of the nation's doctors on the frontlines of coronavirus care and effective communication by many physician scientists on television, is shifting the public's views, with twice as many Americans now saying doctors put people ahead of profits than they did in earlier KFF polling.
Analysis: Many Private Insurers Offer Financial Relief for COVID-19 Treatment, but Cost-Sharing Waivers Are Expiring

Aug 20, 2020
News Release

A new analysis finds that most people with individual or fully-insured group market coverage are in plans that waived cost-sharing for COVID-19 treatment, though many of those waivers are set to expire in the coming months.
Cost-Sharing Waivers and Premium Relief by Private Plans in Response to COVID-19 (Nov. 2020 Update)

Nov 20, 2020
Issue Brief

An updated issue brief estimates the number of enrollees in individual and fully-insured group market plans that have waived cost-sharing – out-of-pocket costs including coinsurance, copayments, and deductibles – for COVID-19 treatment. The analysis also estimates the number of enrollees whose insurer is offering various forms of premium payment relief.
Contraception X Article: Out-of-Pocket Spending for Oral Contraceptives Among Women with Private Insurance Coverage After the Affordable Care Act

Aug 21, 2020
Issue Brief

In an article for Contraception X, KFF's Brittni Frederiksen, Matthew Rae, and Alina Salganicoff examine large employer plans to identify which types and brands of oral contraceptive pills have the largest shares of oral contraceptive users with out-of-pocket spending and which oral contraceptives have the highest average annual out-of-pocket costs after the ACA covered contraception under it's preventive services provisions.
Amid the Coronavirus Crisis, President Trump and Democratic Nominee Joe Biden Offer Widely Different Views on Health Care

Aug 20, 2020
News Release

President Trump and Democratic nominee Joe Biden hold widely divergent views on health issues, with the president’s record and response to the coronavirus pandemic likely to play a central role in November’s elections.
When Cost-Sharing Waivers for COVID-19 Treatment Expire for People with Private Insurance Plans

Aug 24, 2020
Feature

About 88% – nearly nine in ten – enrollees in the individual and fully-insured group markets are covered by plans that have taken action to limit out-of-pocket costs for patients undergoing treatment for COVID-19 since the start of the pandemic. However, after accounting for waivers that have already expired (20%) or are scheduled to expire by the end of September (16%), just over half of enrollees in these plans will still be eligible for waived cost-sharing in October and beyond.
What the Actuarial Values in the Affordable Care Act Mean

Apr 1, 2011
Issue Brief

The Patient Protection and Affordable Care Act (PPACA) establishes four levels of coverage based on the concept of "actuarial value," which represents the share of health care expenses the plan covers for a typical group of enrollees.
Survey of People Who Purchase Their Own Insurance

Jun 1, 2010
Poll Finding

While most people in the
Explaining Health Care Reform: What is Health Insurance?

May 1, 2009
Issue Brief

A key element in any comprehensive health reform plan is defining what health insurance is and the amount of insurance coverage people will have. There are two components to that coverage: the types of services covered (e.g., physician care, hospitalization, prescription drugs, etc.), and the cost sharing required of enrollees (e.g.