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

California’s Health Insurance Marketplace Braces for Chaos as Shutdown Persists
Journalists Dig Into Government Shutdown and Rural Doctor Drought
Senators Press Deloitte, Other Contractors on Errors in Medicaid Eligibility Systems
KFF Health News' 'What the Health?': Starting To Feel the Shutdown’s Bite
Partido Republicano vincula falsamente cierre del gobierno con el supuesto intento de los demócratas de ofrecer atención médica a todos los inmigrantes

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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.
Survey of People Who Purchase Their Own Insurance

Jun 1, 2010
Poll Finding

While most people in the
Changes in Health Insurance Status over a Two-Year Period

May 29, 2010
Issue Brief

The ability to maintain health insurance in the face of rising costs and an uncertain economy is a key concern for families and featured prominently in the health reform debate.
Explaining Health Care Reform: Questions About the Extension of Dependent Coverage to Age 26

May 5, 2010
Issue Brief

The new health reform law requires private health insurers that offer dependent coverage to children to allow young adults up to age 26 to remain on their parent's insurance plan.
Explaining Health Care Reform: Questions About Health Insurance Exchanges

Apr 1, 2010
Issue Brief

The Patient Protection and Affordable Care Act (PPACA), signed into law in March 2010, made broad changes to the way health insurance will be provided and paid for in the United States.
Pulling it Together: When Premiums Go Up 39%

Mar 8, 2010
Perspective

Our group that works on health care cost issues just updated an analysis that sheds light on what’s really happening to people in the individual health insurance market, the issue Secretary Sebelius, a former Kansas insurance commissioner, and others have put in the spotlight by calling on Anthem and other insurance companies to account for…
Issues for Structuring Interim High-Risk Pools

Dec 30, 2009
Issue Brief

One of the first provisions that would be implemented under federal health reform bills in the House and the Senate would establish a national high-risk pool program to offer coverage to otherwise uninsurable individuals during the interim period between enactment and implementation of broader health care reforms.
Workplace Wellness Programs, Healthy Behaviors and Health Reform

Event Date: Dec 7, 2009

Event

Many large employers offer financial incentives to their employees to exercise regularly, improve their diets, lose weight and quit smoking. Health reform proposals would write some of these incentives into law.

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California’s Health Insurance Marketplace Braces for Chaos as Shutdown Persists

Journalists Dig Into Government Shutdown and Rural Doctor Drought

Senators Press Deloitte, Other Contractors on Errors in Medicaid Eligibility Systems

KFF Health News' 'What the Health?': Starting To Feel the Shutdown’s Bite

Partido Republicano vincula falsamente cierre del gobierno con el supuesto intento de los demócratas de ofrecer atención médica a todos los inmigrantes

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