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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

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Health Coverage for the Unemployed

Jun 1, 2011
Issue Brief

This policy brief outlines the challenges facing the unemployed as they seek to remain insured after losing jobs and employer-sponsored health coverage. In May 2011, 13.9 million people in the U.S. were unemployed. Of these, 6.2 million had been unemployed for six months or more and faced limited options to remain insured.
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.
A Profile of Health Insurance Exchange Enrollees

Mar 1, 2011
Report

The Patient Protection and Affordable Care Act calls for the creation of Health Insurance Exchanges in all states by January 1, 2014.
Pop Quiz: Assessing Americans’ Familiarity with the Health Care Law

Feb 2, 2011
Perspective

Based on the December Kaiser Health Tracking Poll, the latest KFF data note explores Americans’ awareness of what the Affordable Care Act (ACA) will do.
Rate Review: Spotlight on State Efforts to Make Health Insurance More Affordable

Nov 29, 2010
Other Post

The Patient Protection and Affordable Care Act creates a new federal role to examine “unreasonable increases” in the premiums charged for certain individual and small group health plans.
Family Health Premiums Rise 3 Percent to $13,770 in 2010, But Workers’ Share Jumps 14 Percent as Firms Shift Cost Burden

Sep 2, 2010
News Release

About One In Four Covered Workers Now Face Annual Deductibles Of $1,000 Or More, Including Nearly Half Of Those Employed By Small Businesses WASHINGTON, D.C.
Statement of Gary Claxton to NAIC Exchanges (B) Subgroup

Event Date: Jul 22, 2010

Event

Kaiser Family Foundation Vice President Gary Claxton, who directs the Foundation's Marketplace Policy Project, testified July 22, 2010, at a public hearing before the National Association of Insurance Commissioners' Exchanges (B) Subgroup established by the health reform law. Testimony (.
Pulling it Together: What Conservatives Are Winning

Jul 12, 2010
Perspective

Conservatives are out of sorts these days about the direction in which health care is headed. They think the new health reform law expands the role of government too much and spends too much at a time when they believe deficit reduction should be a higher priority.
Recent Premium Increases Imposed by Insurers Averaged 20% for People Who Buy Their Own Health Insurance, Kaiser Survey Finds

Jun 21, 2010
News Release

Facing Such Increases, Some Enrollees Switched To Lower-Cost Coverage People With Pre-Existing Conditions Much More Likely To Report Problems MENLO PARK, CA -- People who buy their own insurance report that their insurers most recently requested premium increases averaging 20 percent, according to a new Kaiser survey examining the experiences and views of people who…
KFF Survey Finds that a Majority of Individuals Who Buy Their Own Insurance Report Facing a Premium Increase

Jun 21, 2010
Perspective

People who buy their own insurance report that their insurers most recently requested premium increases averaging 20 percent, according to a new Kaiser survey examining the experiences and views of people who buy health coverage in the non-group or individual market.

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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

La inteligencia artificial pronto influirá en que te aprueben o te nieguen tratamientos en Medicare

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