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

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Team Trump’s Answer to Ballooning Obamacare Premiums: Less Generous Coverage
Projected Surge in Uninsured Will Strain Local Health Systems
Under Trump, FDA Seeks To Abandon Expert Reviews of New Drugs
Watch: Why Is Having a Baby So Expensive in the US?

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821 - 830 of 864 Results

New Analysis Details Impact on Residents in Different States If the U.S. Supreme Court Rules for Challengers in King v. Burwell

Jun 3, 2015
News Release

The U.S. Supreme Court is expected to rule this month in the King v.
JAMA Forum: If King v Burwell Ruling Imperils ACA Subsidies for Millions, Is the Fallout Avoidable?

Jun 3, 2015
Perspective

Larry Levitt's March 2015 post explores what could happen if the U.S. Supreme Court rules for the plaintiffs in the King v. Burwell case, the lawsuit that challenges the federal government’s authority to provide financial assistance to people who buy insurance in federally-operated marketplaces created by the Affordable Care Act.
Change in Benchmark Silver Premiums, 2014 – 2015

Nov 15, 2014
Feature

Change in Benchmark Silver Premiums 2015 MAP_HI_and_MA.ppt Download Source Kaiser Family Foundation analysis of data from Healthcare.gov and insurer rate filings to state regulators. For more information see “Analysis of 2015 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces” Sept. 2014.
Medical and Prescription Drug Deductibles for Plans Offered in Federally Facilitated and Partnership Marketplaces for 2015

Nov 18, 2014
Fact Sheet

The slide show provides an initial look at the deductibles for medical care and the specific deductibles applied to prescription drugs for the plans offered in the federally facilitated and partnership Marketplaces for 2015 operating with healthcare.gov.
How 13 Million Americans Could Lose Insurance Subsidies

Nov 19, 2014
From Drew Altman

This was published as a Wall Street Journal Think Tank column on November 19, 2014. Kaiser Family Foundation calculations of how many Americans could lose subsidies in 2016 depending on the Supreme Court’s ruling in King v. Burwell. The Supreme Court is expected to rule next year on King v.
JAMA Forum: Why Health Insurance Literacy Matters

Nov 26, 2014
Perspective

Larry Levitt's November 2014 post looks at the challenges with people not understanding basic health insurance concepts as millions of them evaluate and choose health plans during open enrollment season for insurance in 2015.
Web Briefing for Journalists: How ACA’s Employer Requirements and Related Provisions Affect Businesses and Workers

Event Date: Dec 18, 2014

Event

A major piece of the Affordable Care Act will first take effect January 1 when larger employers will be required to offer coverage to their workers or face penalties. How do the penalties work and how are they being phased in? To help reporters understand and cover these issues, the Kaiser Family Foundation held a web briefing exclusively for journalists.
Visualizing Health Policy: Premium Changes in the Affordable Care Act’s Insurance Marketplaces 2014-2015

Feb 10, 2015
Other

This Visualizing Health Policy infographic with the Journal of the American Medical Association (JAMA) illustrates the change in monthly premiums by county, and select cities, from 2014 to 2015 for a 40-year-old person covered by the second-lowest-cost silver "benchmark" plan in the Affordable Care Act's insurance marketplaces.
Quantifying Tax Credits for People Now Buying Insurance on Their Own

Aug 14, 2013
Issue Brief

This analysis estimates that Americans currently buying insurance on the individual market would receive $2700 in subsidies (as tax credits) in 2014 under Obamacare. Tax credits are available for qualifying people buying insurance through the new health care marketplaces, or exchanges.
State-by-State Estimates of the Number of People Eligible for Premium Tax Credits Under the Affordable Care Act

Nov 5, 2013
Issue Brief

Key provisions of the 2010 Affordable Care Act (ACA) create new Marketplaces for people who purchase insurance directly and provide new premium tax credits to help people with low or moderate incomes afford that coverage. This analysis estimates that about 17 million people who are now uninsured or who buy insurance on their own (“nongroup purchasers”) will be eligible for premium tax credits in 2014. This issue brief provides national and state estimates for tax credit eligibility for people in these groups.