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…
Public Ranks Children’s Health Insurance, Marketplace Stabilization Higher Priorities than ACA Repeal

Sep 22, 2017
News Release

Majorities Support Buy-In Ideas for Medicaid and Medicare Among health priorities facing urgent deadlines in Washington in September, the public ranks repeal of the Affordable Care Act lower than reauthorizing funding for the Children’s Health Insurance Program (CHIP) and stabilizing individual health insurance marketplaces established by the ACA, the Kaiser Family Foundation’s new tracking poll…
New Analysis Finds High Out-of-Pocket Spending Increased for People Covered by Large Employer Plans

Oct 5, 2017
News Release

A new Kaiser Family Foundation analysis finds about one in four people (24%) covered by large employer plans spent more than $1,000 out-of-pocket on health care in 2015, an increase of seven percentage points from 17 percent in 2005.
What’s the Near-Term Outlook for the Affordable Care Act?

Aug 4, 2017
News Release

With congressional Republicans’ efforts to repeal the Affordable Care Act on hold, a new issue brief from the Kaiser Family Foundation answers questions about the current state of the 2010 health law, zeroing in on the individual insurance marketplaces that the law established.
Chartpack: KHPR Selected Findings on 2006 State of the Union Address and Health Care

Jan 31, 2006
Poll Finding

Chartpack: Kaiser Health Poll Report Selected Findings on 2006 State of the Union Address and Health Care This chartpack highlights key data from the February 2006 tracking poll on what the public took away from President Bush's State of the Union address. Chartpack (.
ACA Open Enrollment: If You Buy Health Coverage in the Individual Market

Oct 17, 2019
Fact Sheet

This short explainer provides an overview of open enrollment and the 2020 individual insurance market, including Affordable Care Act (ACA) marketplaces, for consumers who buy their own plans rather than getting insurance through an employer.
Obamacare y Usted: Si tiene seguro médico a través de un empleador

Nov 7, 2013
Fact Sheet

Si usted tiene cobertura de beneficios de salud a través de su empleador o del empleador de un miembro de su familia, usted probablemente pueda mantener esa cobertura y no tener que hacer ningún cambio.
The Flip Side of Higher Premiums: Better Coverage

Mar 21, 2013
Perspective

Time Magazine's recent cover story on health care – "Bitter Pill" by Steven Brill – has focused attention on hospital prices, especially for people paying out of their own pockets. This is not a new issue, but certainly one that deserves attention.
Beyond Rebates: How Much Are Consumers Saving from the ACA’s Medical Loss Ratio Provision?

Jun 6, 2013
Perspective

The Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA) saved consumers an estimated $2.1 billion last year, in the form of lower premiums and rebates, according to a new analysis by the Kaiser Family Foundation. Under health reform, insurers must issue consumer rebates if they fail to spend a certain portion of premium income on health care claims and quality improvement expenses, thereby limiting what they may spend on administrative expenses or keep as profits.
Average Annual Family Premium per Enrolled Employee For Employer-Based Health Insurance

Sep 8, 2025
State Health Facts Indicator