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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Insurance Coverage of Updated COVID-19 Vaccines: A Cheat Sheet

Sep 22, 2023
Other

This cheat sheet provides details on coverage rules by insurance type and for people who are uninsured.
Use of ACA preventive services potentially affected by Braidwood v. Becerra

May 25, 2023
Issue Brief

This analysis finds that about 10 million privately insured people received at least one ACA preventive service or drug that could be affected by a now-stayed U.S. District Court ruling, which found the Affordable Care Act's (ACA) requirement to cover certain preventive services without any cost sharing to be partially unconstitutional.
KFF Examines Key Considerations for the Implementation of Insurance Coverage for Over-the-Counter Contraceptives

Nov 28, 2023
News Release

With federal regulators seeking public input on the potential benefits, costs, and implementation considerations of requiring private health insurance plans to cover over-the-counter preventive products without a prescription, a new KFF post explores the issues relevant to covering over-the-counter contraceptives.
Employers Use of Center of Excellence Programs as a Pathway for Behavioral Health Services

Dec 8, 2023
Policy Watch

This post explores the prevalence of employer-sponsored health plans that use Center of Excellence (COE) programs as a way to provide enrollees with specialized care for behavioral health services. One in 10 large employers (with at least 1,000 workers) offer such programs now.
2023 Employer Health Benefits Chart Pack

Oct 18, 2023
Feature

This slideshow captures key data from the 2023 KFF Employer Health Benefits Survey survey, providing a detailed look at trends in employer-sponsored health coverage, including premiums, employee contributions, cost-sharing, abortion coverage, offer rates, wellness programs, and other employer practices.
What to Watch in the 2024 ACA Open Enrollment

Oct 30, 2023
Policy Watch

With the start of the 2024 Affordable Care Act open enrollment, the Marketplaces have been operating for a full decade and are heading into their eleventh year. This policy watch outlines changes to watch out for during 2024 Open Enrollment.
Presentation: The End of the Public Health Emergency Declaration for COVID-19

Apr 26, 2023
Feature

Jen Kates, Senior Vice President and Director of KFF’s Global Health & HIV Policy program presented “The End of the Public Health Emergency Declaration for COVID-19,” at the 2023 Preparedness Summit on April 24.
Charges for Emails with Doctors and other Healthcare Providers

Mar 6, 2024
Issue Brief

Patient-provider email messaging accelerated early in the COVID-19 pandemic as more patients sought medical care remotely, and the addition of billing codes for digital health services and subsequent changes in insurers’ payment policies have enabled providers to bill insurers and patients for messaging.
How Narrow or Broad Are ACA Marketplace Physician Networks?

Aug 26, 2024
Report

This report examines the share of doctors participating in the provider networks of Qualified Health Plans (QHPs) offered in the individual market in the federal and state Marketplaces in 2021, and how network breadth affected costs for enrollees.
KFF Analysis Finds Physician Networks in ACA Marketplace Plans Vary Widely, and Enrollees Typically Pay More in Premiums to Access Broader Networks

Aug 26, 2024
News Release

A KFF analysis of physician networks in the Affordable Care Act’s Marketplace plans finds wide variations in the share of local practicing physicians who participate, with the least costly plans generally having a smaller share of physicians than more expensive plans.