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

Amid Confusion Over US Vaccine Recommendations, States Try To ‘Restore Trust’
Listen: The Surprising Power of Pushback When Health Insurance Won’t Pay
Team Trump’s Answer to Ballooning Obamacare Premiums: Less Generous Coverage
Projected Surge in Uninsured Will Strain Local Health Systems
El aumento de personas sin seguro médico pondrá en aprietos a los sistemas de salud locales

More KFF Health News

Subscribe to KFF Emails

Choose which emails are best for you.
Sign up here

View the Latest: Private Insurance

Filter

Past Week
Past Month
Past 6 Months
Past Year
Custom
Start Date

End Date

Clear Selections

Event (30)
Fact Sheet (25)
Feature (93)
From Drew Altman (61)
Interactive (25)
Issue Brief (230)
News Release (204)
Other Post (7)
Perspective (53)
Policy Watch (38)
Poll Finding (46)
Report (54)
State Health Facts Indicator (23)
Video (4)

Clear Selections

Abortion (12)
ACA Marketplaces (272)
Access to Care (58)
Actuarial Value (5)
Administrative Costs (5)
Affordability (127)
Alabama (1)
Arkansas (1)
Benefits (26)
Births (1)
Build Back Better (2)
California (8)
Cancer (2)
Children (7)
Children's Health Insurance Program (CHIP) (8)
Chronic Diseases (6)
Colorado (3)
Congressional Budget Office (CBO) (2)
Connecticut (4)
Consumer Assistance (27)
Contraception (9)
Cost Sharing (157)
County-Level Data (8)
Courts (39)
Coverage (201)
Deficit Reduction (1)
Delivery System (1)
Diabetes (3)
Disability (4)
District of Columbia (4)
Dual Eligible Individuals (2)
Economy (7)
Eligibility (7)
Employer-Sponsored Health Insurance (246)
Employment (12)
En Español (6)
Enrollment (58)
Family Planning (14)
Federal Budget (11)
Financing (8)
Florida (4)
Food Security and Nutrition (2)
Gender Identity (4)
Georgia (1)
Gun Violence (2)
Health Care Markets (3)
Health Care Utilization (4)
Health System Performance (6)
Health Workforce (3)
High-Deductible Plans (51)
High-Risk Pools (5)
HIV/AIDS in U.S. (8)
Hospitals (21)
Illinois (2)
Income and Assets (2)
Indiana (1)
Individual Mandate (31)
Individual Market (302)
International Comparisons (1)
Kentucky (4)
Long-Term Care (8)
Low Income (14)
Maine (4)
Managed Care (10)
Maryland (4)
Maternal and Child Health (3)
Measles (2)
Medicaid Work Requirements (1)
Medical Loss Ratio (MLR) (16)
Medical Technology (2)
Medicare Advantage (22)
Medicare Part D (7)
Medicare's Future (6)
Medicare-for-all (13)
Michigan (5)
Nevada (4)
New Mexico (2)
New York (4)
North Carolina (1)
Nurses (3)
Obesity (4)
Ohio (3)
Opioids (5)
Oral Health (1)
Oregon (4)
Over-the-Counter Contraceptives (5)
Paid Leave (3)
Pennsylvania (2)
Physicians (15)
Politics (57)
Pre-existing Conditions (49)
Pregnancy (6)
Premium Support (8)
Premiums (166)
Prescription Drugs (59)
Prevention (22)
Prices (15)
Prior Authorization (3)
Public Health (9)
Quality Measures (4)
Race/Ethnicity (3)
Rate Review (7)
Reproductive Health (38)
Retiree Coverage (12)
Rhode Island (2)
Rural Health (2)
Safety Net (2)
Seniors (15)
Sexual Orientation (1)
Small Group Coverage (26)
Social Media (1)
South Carolina (1)
State Budgets (3)
State-Level Data (27)
Subsidies (102)
Taxes (31)
Telehealth (20)
Tennessee (3)
Texas (1)
Treatment (4)
Vaccines (8)
Vermont (4)
Virginia (4)
Waivers (4)
Washington (4)
Wellness Programs (52)
West Virginia (1)
Wisconsin (1)
Zika Virus (1)

Clear Selections

Beyond the Data (2)
Employer Health Benefit Survey (46)
Health Policy 101 (3)
Health System Tracker (58)
Health Tracking Poll (50)
KFF/New York Times Surveys (3)
Medicaid Watch (2)
Women's Health Survey (1)

Filter

Past Week
Past Month
Past 6 Months
Past Year
Custom
Start Date

End Date

Clear Selections

Event (30)
Fact Sheet (25)
Feature (93)
From Drew Altman (61)
Interactive (25)
Issue Brief (230)
News Release (204)
Other Post (7)
Perspective (53)
Policy Watch (38)
Poll Finding (46)
Report (54)
State Health Facts Indicator (23)
Video (4)

Clear Selections

Abortion (12)
ACA Marketplaces (272)
Access to Care (58)
Actuarial Value (5)
Administrative Costs (5)
Affordability (127)
Alabama (1)
Arkansas (1)
Benefits (26)
Births (1)
Build Back Better (2)
California (8)
Cancer (2)
Children (7)
Children's Health Insurance Program (CHIP) (8)
Chronic Diseases (6)
Colorado (3)
Congressional Budget Office (CBO) (2)
Connecticut (4)
Consumer Assistance (27)
Contraception (9)
Cost Sharing (157)
County-Level Data (8)
Courts (39)
Coverage (201)
Deficit Reduction (1)
Delivery System (1)
Diabetes (3)
Disability (4)
District of Columbia (4)
Dual Eligible Individuals (2)
Economy (7)
Eligibility (7)
Employer-Sponsored Health Insurance (246)
Employment (12)
En Español (6)
Enrollment (58)
Family Planning (14)
Federal Budget (11)
Financing (8)
Florida (4)
Food Security and Nutrition (2)
Gender Identity (4)
Georgia (1)
Gun Violence (2)
Health Care Markets (3)
Health Care Utilization (4)
Health System Performance (6)
Health Workforce (3)
High-Deductible Plans (51)
High-Risk Pools (5)
HIV/AIDS in U.S. (8)
Hospitals (21)
Illinois (2)
Income and Assets (2)
Indiana (1)
Individual Mandate (31)
Individual Market (302)
International Comparisons (1)
Kentucky (4)
Long-Term Care (8)
Low Income (14)
Maine (4)
Managed Care (10)
Maryland (4)
Maternal and Child Health (3)
Measles (2)
Medicaid Work Requirements (1)
Medical Loss Ratio (MLR) (16)
Medical Technology (2)
Medicare Advantage (22)
Medicare Part D (7)
Medicare's Future (6)
Medicare-for-all (13)
Michigan (5)
Nevada (4)
New Mexico (2)
New York (4)
North Carolina (1)
Nurses (3)
Obesity (4)
Ohio (3)
Opioids (5)
Oral Health (1)
Oregon (4)
Over-the-Counter Contraceptives (5)
Paid Leave (3)
Pennsylvania (2)
Physicians (15)
Politics (57)
Pre-existing Conditions (49)
Pregnancy (6)
Premium Support (8)
Premiums (166)
Prescription Drugs (59)
Prevention (22)
Prices (15)
Prior Authorization (3)
Public Health (9)
Quality Measures (4)
Race/Ethnicity (3)
Rate Review (7)
Reproductive Health (38)
Retiree Coverage (12)
Rhode Island (2)
Rural Health (2)
Safety Net (2)
Seniors (15)
Sexual Orientation (1)
Small Group Coverage (26)
Social Media (1)
South Carolina (1)
State Budgets (3)
State-Level Data (27)
Subsidies (102)
Taxes (31)
Telehealth (20)
Tennessee (3)
Texas (1)
Treatment (4)
Vaccines (8)
Vermont (4)
Virginia (4)
Waivers (4)
Washington (4)
Wellness Programs (52)
West Virginia (1)
Wisconsin (1)
Zika Virus (1)

Clear Selections

Beyond the Data (2)
Employer Health Benefit Survey (46)
Health Policy 101 (3)
Health System Tracker (58)
Health Tracking Poll (50)
KFF/New York Times Surveys (3)
Medicaid Watch (2)
Women's Health Survey (1)

List Grid

841 - 850 of 864 Results

How Workers and Employers Diverge on Wellness Programs

Sep 24, 2014
From Drew Altman

In this column for the Wall Street Journal's Think Tank, Drew Altman examines employer attitudes and the evidence on wellness programs.
Report Examines Potential for Private Health Insurance Exchanges to Change Employer Market

Sep 23, 2014
News Release

A new Kaiser Family Foundation report examines private exchanges and how the approach could reshape employer-sponsored health insurance as it gains popularity. These private exchanges have gained currency as new health insurance marketplaces for individuals have begun operating under the Affordable Care Act, though the approaches are quite different.
Taking Stock and Taking Steps: A Report from the Field after the First Year of Marketplace Consumer Assistance under the ACA

Oct 1, 2014
Report

This report summarizes experiences of Marketplace assistance programs as they helped consumers enroll in coverage during the first Open Enrollment period under the Affordable Care Act. Insights about what worked and where improvements could help are drawn from discussions of assisters and other experts who participated in a Consumer Assistance Roundtable, jointly sponsored by the Kaiser Family Foundation and the Robert Wood Johnson Foundation in June, 2014.
Two New Analyses: House COVID-19 Relief Plan Would Temporarily Lower Marketplace Premiums for Millions and More than Offset Short-Term State Costs to Expand Their Medicaid Programs

Feb 18, 2021
News Release

The House COVID-19 relief proposal would temporarily lower what millions of Marketplace enrollees and uninsured potential enrollees would pay toward premiums and would provide states that have not expanded their Medicaid programs a financial boost that would more than offset their costs initially, two new KFF analyses find.
Most private insurers are no longer waiving cost-sharing for COVID-19 treatment

Aug 19, 2021
Issue Brief

This analysis finds nearly three quarters of the largest health plans in each state are no longer waiving enrollees’ cost-sharing requirements for COVID-19 treatment as of August 2021. Insurers largely waived those costs early in the pandemic, before safe and effetive vaccines were available.
Impact of Key Provisions of the American Rescue Plan Act of 2021 COVID-19 Relief on Marketplace Premiums

Mar 15, 2021
Issue Brief

This data note estimates how tax credits premiums will change for people at various ages and incomes under the temporary boost in subsidies included in the American Rescue Plan Act of 2021, the COVID-19 relief plan signed into law in March 2021.
Surprise Medical Bills are Ending, But Controversy Continues

Jan 20, 2022
Perspective

In this column for the JAMA Health Forum, Larry Levitt examines how the No Surprises Act that prohibits unexpected out-of-network charges for patients could lead to lower payment rates and revenues for some doctors and other care providers.
A Federal Covid Testing Plan Finally Ramps Up. Strings Are Attached.

Jan 14, 2022
Perspective

In this commentary for Barron's, Cynthia Cox and Lindsey Dawson examine the cost and availability of at-home COVID-19 tests and how the new Biden administration policy requiring private insurances to cover their costs may work.
How are Large Private Insurers Covering At-Home Rapid Tests?

Jan 20, 2022
News Release

Less than a week after a new federal mandate to cover such products took effect, about half of the nation’s largest private insurers allow enrollees to directly obtain rapid at-home COVID-19 tests from specific sources without having to pay anything upfront, a new KFF analysis finds. The new coverage requirement took effect Jan.
Analysis: Half of Emergency Ambulance Rides Lead to Out-of-Network Bills for Privately Insured Patients

Jun 24, 2021
News Release

About half of emergency ground ambulance rides result in an out-of-network charge for people with private health insurance, potentially leaving patients at risk of getting a surprise bill, a new KFF analysis for the Peterson-KFF Health System Tracker finds.