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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Trends in Workplace Wellness Programs and Evolving Federal Standards

Jun 9, 2020
Issue Brief

This brief examines trends in large employers' use of wellness programs that collect personalized health information from workers, often with financial incentives, and the evolving federal standards governing such programs.
Almost One in Four Adult Workers is Vulnerable to Severe Illness from COVID-19

Jun 15, 2020
Issue Brief

This analysis finds nearly one in four workers are considered at high risk of serious illness if they get infected by the novel coronavirus, highlighting the challenges that businesses, public offices and other employers face as they reopen.
Five Things to Know about the Cost of COVID-19 Testing and Treatment

May 26, 2020
Issue Brief

This brief answer key questions on affordability of COVID-19 testing and treatment for people who are uninsured and those insured through private coverage, Medicare, and Medicaid.
Even Supporters May Not Understand Medicare-for-All

Mar 2, 2020
From Drew Altman

In this Axios column, Drew Altman shows that the majority of supporters don’t know how Medicare-for-all works, with both positive and negative implications for support if they knew more.
Coronavirus Response and the Affordable Care Act

Mar 23, 2020
Policy Watch

This post examines the Affordable Care Act's impact 10 years after its enactment and how its provisions, especially those that expand coverage opportunities, could address the health threat and economic upheaval caused by the coronavirus pandemic.
Premiums and Worker Contributions Among Workers Covered by Employer-Sponsored Coverage, 1999-2020

Oct 8, 2020
Interactive

This graphing tool allows users to explore trends in workplace-sponsored health insurance premiums and worker contributions over time for different categories of employers based on results from the annual Employer Health Benefits Survey. Breakouts are available by firm size, region and industry, as well as for firms with relatively few or many part-time workers, higher- or lower-wage workers, and older or younger workers.
Affordability in the ACA Marketplace Under a Proposal Like Joe Biden’s Health Plan

Sep 28, 2020
Issue Brief

This KFF analysis finds that expanding Affordable Care Act (ACA) premium subsidies like Democratic presidential nominee Joe Biden has proposed would lower the cost of Marketplace coverage for nearly all potential enrollees, including the uninsured and others currently priced out of the Marketplace. Biden's plan would, however, increase federal spending, which we do not attempt to estimate here.
Average Annual Deductible per Enrolled Employee in Employer-Based Health Insurance for Single and Family Coverage

Sep 8, 2025
State Health Facts Indicator
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.

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Where Jobs Are Scarce, Over 1 Million People Could Dodge Trump’s Medicaid Work Rules

Journalists Recap Coverage on Organ Harvesting, Obamacare, and Medicaid Cuts

Listen: Young Adults Turning 26 Face Health Insurance Cliff

KFF Health News' 'What the Health?': Public Health Further Politicized Under the Threat of More Firings

As Trump Punts on Medical Debt, Battle Over Patient Protections Moves to States

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