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How Much and Why ACA Marketplace Premiums Are Going Up in 2026

This analysis of initial rate filings from all 50 states and DC shows ACA Marketplace insurers are proposing a median premium increase of 18% for 2026, more than double last year’s 7% median proposed increase. The analysis includes proposed rate changes by state and insurer.

Data and analysis

The Uninsured Population and Health Coverage

This Health Policy 101 chapter examines the share of the United States population who are uninsured, highlighting their demographics and the challenges they face because of the lack of coverage.

How Many Uninsured Are in the Coverage Gap?

This analysis estimates that 1.4 million uninsured individuals in the 10 states without Medicaid expansion, including many working adults, people of color, and those with disabilities, remain in the “coverage gap,” ineligible for Medicaid or for tax credits that would make coverage ACA's Marketplaces affordable to them.

Key Facts about the Uninsured Population

The number of people ages 0-64 who were uninsured held steady at 25.3 million in 2023, although the number of uninsured children rose from 3.8 million to 4.0 million. Most uninsured people are in low-income families and have at least one worker in the family.

How the Unwinding Affected Enrollees

Over half who were disenrolled say they put off needed medical care while trying to renew Medicaid. Overall, 19% of adults who had Medicaid prior to the start of unwinding say they were disenrolled at some point in the past year. Of this group, a large majority (70%) were left at least temporarily uninsured.

The uninsured: How costs affect care and health, 2023

Latest Polling
8%

Percent of adults who reported not having health insurance
55%

Percent of uninsured adults who reported delaying or forgoing some form of health care due to cost
19%

Percent of uninsured adults who report that they or a family member had difficulty paying medical bills
38%

Percent of uninsured adults who reported not having a usual source of care (vs. 8% of insured adults)
Peterson-KFF Health System Tracker

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  • The New Challenge of the Uninsured: Coverage in the Current Economy

    Event Date:
    Event

    Diane Rowland, executive director of the Commission, testified to the House Energy and Commerce Subcommittee on Health about health coverage for the uninsured in the current economy and discussed the special challenges of providing them coverage during uncertain economic times. Please note: the video is no longer available.

  • Health Insurance Coverage in America: 2001 Data Update

    Report

    Health Insurance Coverage in America: 2001 Data Update This chartbook provides year 2001 data on health insurance coverage, with special attention to the uninsured. It includes trends and major shifts in coverage and a profile of the uninsured population. Chartbook A link to additional state-specific data on the uninsured at State Health Facts.

  • Lack of Coverage: A Long-Term Problem for Most Uninsured

    Fact Sheet

    This fact sheet, recently updated with 2002 data, describes how long the uninsured remain without coverage, who tends to go without insurance for long spells of time, and what difference time without coverage makes in terms of access to and utilization of care. Fact Sheet (.

  • Incremental Ways to Cover the Uninsured

    Other Post

    The Kaiser Commission co-sponsored a policy briefing on America's uninsured population and potential models for coverage expansion. Expanding public programs and providing tax credits are both being discussed as ways to cover some of the 42 million uninsured Americans. A link to the webcast and related resources is provided.

  • Making Medicare Work Better

    Report

    This report by the Institute for Medicare Practice at Mount Sinai School of Medicine takes a hard look at the operational challenges facing Medicare and considers incremental, structural changes to improve the management of the Medicare program from the standpoint of beneficiaries and providers.

  • Expanding Health Insurance Through Tax Reform

    Report

    This paper discusses the impacts of the Heritage Foundation proposal for expanding health insurance coverage. Under the proposed tax reform, the employer tax exclusion and all other deductions for health-related expenses would be repealed. A new refundable tax credit would be created for unreimbursed medical expenses.

  • Health Insurance Coverage of Low-Wage Workers

    Fact Sheet

    This fact sheet summarizes the reasons why low-wage workers are less likely to have employer-sponsored health insurance than workers with higher incomes and therefore, are more likely to be uninsured.