{"id":670776,"date":"2025-08-06T10:04:21","date_gmt":"2025-08-06T14:04:21","guid":{"rendered":"https:\/\/www.kff.org\/?post_type=issue-brief&#038;p=670776"},"modified":"2025-08-09T05:57:58","modified_gmt":"2025-08-09T09:57:58","slug":"how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026","status":"publish","type":"post","link":"https:\/\/www.kff.org\/affordable-care-act\/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026\/","title":{"rendered":"How Much and Why ACA Marketplace Premiums Are Going Up in 2026"},"content":{"rendered":"\n<div\n\tclass=\"wp-block-kff-shared-content--standard-layout wp-block-kff-shared-content\">\n\t\n\n<section class=\"wp-block-kff-shared-content-main\">\n\t\t\t<div class=\"post-header\">\n\t\t\t\t\t\n\t<h1 class=\"post-header__title\">How Much and Why ACA Marketplace Premiums Are Going Up in 2026<\/h1>\n\n\t\n\t\t\t<div class=\"post-header__meta\">\n\t\t\t\t\t<div>\n\t\t\t\t<span class=\"post-header__meta-label\">\n\t\t\t\tAuthors:\t\t\t\t<\/span>\n\t\t\t\t<a href=\"https:\/\/www.kff.org\/person\/jared-ortaliza\/\">Jared Ortaliza<\/a>, <a href=\"https:\/\/www.kff.org\/person\/matt-mcgough\/\">Matt McGough<\/a>, Kaitlyn Vu, <a href=\"https:\/\/www.kff.org\/person\/imani-telesford\/\">Imani Telesford<\/a>, <a href=\"https:\/\/www.kff.org\/person\/shameek-rakshit\/\">Shameek Rakshit<\/a>, <a href=\"https:\/\/www.kff.org\/person\/emma-wager\/\">Emma Wager<\/a>, <a href=\"https:\/\/www.kff.org\/person\/lynne-cotter\/\">Lynne Cotter<\/a>, and <a href=\"https:\/\/www.kff.org\/person\/cynthia-cox\/\">Cynthia Cox<\/a> \t\t\t<\/div>\n\t\t\t\t<div>\n\t\t\t<span class=\"post-header__meta-label\">Published:<\/span>\n\t\t\t<date>Aug 6, 2025<\/date>\n\t\t<\/div>\n\t\t<\/div>\n\t\n\t<div class=\"post-header__social-sharing\">\n\t\t<button class=\"post-header__social-sharing__button print\">\n\t\t\t<svg width=\"16\" height=\"17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t<path d=\"M4.348 2.5v3.391H2.783A.787.787 0 0 0 2 6.674v4.696c0 .429.353.782.783.782h1.565V14.5h7.304v-2.348h1.565c.43 0 .783-.353.783-.782V6.674a.787.787 0 0 0-.783-.783h-1.565V2.5H4.348Zm.522.522h6.26v2.87H4.87v-2.87ZM2.783 6.413h1.782a.26.26 0 0 0 .085 0h6.697a.26.26 0 0 0 .086 0h1.784c.148 0 .261.114.261.26v4.697c0 .147-.113.26-.26.26h-1.566V9.283H4.348v2.347H2.783a.257.257 0 0 1-.261-.26V6.674c0-.147.113-.261.26-.261Zm9.39.783a.522.522 0 1 0 0 1.043.522.522 0 0 0 0-1.043ZM4.87 9.804h6.26v2.043a.264.264 0 0 0 0 .086v2.045H4.87v-2.043a.261.261 0 0 0 0-.085V9.804Zm1.043.783a.262.262 0 0 0-.265.26.26.26 0 0 0 .265.262h4.174a.26.26 0 1 0 0-.522H5.913Zm0 1.043a.26.26 0 1 0 0 .522h3.13a.26.26 0 1 0 0-.522h-3.13Zm0 1.044a.26.26 0 1 0 0 .522h4.174a.262.262 0 0 0 .264-.261.26.26 0 0 0-.264-.261H5.913Z\" fill=\"#004B88\" stroke=\"#004B88\" stroke-width=\".5\"\/>\n\t\t\t<\/svg>\n\n\t\t\tPrint\t\t<\/button>\n\t\t<a href=\"mailto:?subject=How%20Much%20and%20Why%20ACA%20Marketplace%20Premiums%20Are%20Going%20Up%20in%202026&#038;body=https%3A%2F%2Fwww.kff.org%2Faffordable-care-act%2Fhow-much-and-why-aca-marketplace-premiums-are-going-up-in-2026%2F\" class=\"post-header__social-sharing__button\">\n\t\t\t<svg width=\"16\" height=\"17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t<path d=\"M2.333 4.25h-.25v9.14h12.5V4.25H2.333Zm1.083 1.693-.353-.2V5.23h10.54v.513l-.353.2L8.333 8.73 3.416 5.943Zm-.353 6.467V6.884l.107.06 5.04 2.857.123.07.123-.07 5.04-2.857.107-.06v5.526H3.063Z\" fill=\"#004B88\" stroke=\"#004B88\" stroke-width=\".5\"\/>\n\t\t\t<\/svg>\n\n\t\t\tEmail\t\t<\/a>\n\t\t<button class=\"post-header__social-sharing__button copy\">\n\t\t\t<svg width=\"16\" height=\"17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t<path d=\"M11.533 2.9c-.615 0-1.23.235-1.697.702L8.502 4.936a2.4 2.4 0 0 0-.575 2.46l.958-.958a1.32 1.32 0 0 1 .371-.748l1.334-1.333a1.331 1.331 0 0 1 1.886 0c.52.52.52 1.365 0 1.885l-1.334 1.333c-.21.21-.474.331-.748.372l-.958.958a2.393 2.393 0 0 0 2.46-.576l1.334-1.333a2.402 2.402 0 0 0 0-3.394 2.393 2.393 0 0 0-1.697-.702Zm-1.61 3.46a.533.533 0 0 0-.367.162l-3.2 3.2a.533.533 0 1 0 .754.754l3.2-3.2a.534.534 0 0 0-.387-.915ZM6.586 7.973a2.388 2.388 0 0 0-1.816.697l-1.334 1.333a2.403 2.403 0 0 0 0 3.394 2.393 2.393 0 0 0 1.697.702c.614 0 1.229-.234 1.697-.702l1.333-1.334a2.4 2.4 0 0 0 .576-2.46l-.959.958a1.32 1.32 0 0 1-.37.749l-1.334 1.333a1.334 1.334 0 0 1-1.886-1.885l1.334-1.334c.21-.21.474-.331.748-.372l.958-.957c-.21-.07-.426-.11-.644-.122Z\" fill=\"#004B88\"\/>\n\t\t\t<\/svg>\n\n\t\t\t<span>Copy Link<\/span>\n\t\t<\/button>\n\t\t\t<\/div>\n\t<\/div>\n\t\t\t\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/www.healthsystemtracker.org\/brief\/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026\/\">new analysis of initial rate filings<\/a> 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\u2019s 7% median proposed increase. The proposed rates are preliminary and could change before being finalized in late summer.<\/p>\n\n<p class=\"wp-block-paragraph\">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. The analysis includes a data table showing proposed premium increases by state and by insurers. <\/p>\n\n<p class=\"wp-block-paragraph\">The full analysis and other data on health costs are available on the <a href=\"https:\/\/www.healthsystemtracker.org\/\">Peterson-KFF Health System Tracker<\/a>, an online information hub dedicated to monitoring and assessing the performance of the U.S. health system.<\/p>\n \n\t<div class=\"post-footer\">\n\t<div class=\"post-footer__title\">More On<\/div>\n\t<div class=\"post-footer__links\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.kff.org\/topic\/affordable-care-act\/\">\n\t\t\t\tAffordable Care Act\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.kff.org\/topic\/health-costs\/\">\n\t\t\t\tHealth Costs\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.kff.org\/tag\/aca-marketplaces\/\">\n\t\t\t\tACA Marketplaces\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.kff.org\/tag\/individual-market\/\">\n\t\t\t\tIndividual Market\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.kff.org\/tag\/premiums\/\">\n\t\t\t\tPremiums\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.kff.org\/tag\/rate-review\/\">\n\t\t\t\tRate Review\t\t\t<\/a>\n\t\t\t<\/div>\n<\/div>\n\t<\/section>\n\n<section class=\"wp-block-kff-shared-content-sidebar\">\n\t\t\t\n\t\t\n<div class=\"wp-block-kff-shared-related-content--green wp-block-kff-shared-related-content\">\n\t<h2 class=\"wp-block-kff-shared-related-content__heading\">Also of Interest<\/h2>\n\t<div>\n\t\t\t<div class=\"wp-block-kff-shared-related-content__card\">\n\t\t\t<a href=\"https:\/\/www.kff.org\/affordable-care-act\/individual-market-insurers-requesting-largest-premium-increases-in-more-than-5-years\/\" class=\"wp-block-kff-shared-related-content__link\">\n\t\t\t\t<h3 class=\"wp-block-kff-shared-related-content__card-title\">\n\t\t\t\t\tIndividual Market Insurers Requesting Largest Premium Increases in More Than 5 Years\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t<div class=\"wp-block-kff-shared-related-content__card\">\n\t\t\t<a href=\"https:\/\/www.kff.org\/from-drew-altman\/making-the-marketplaces-great-again\/\" class=\"wp-block-kff-shared-related-content__link\">\n\t\t\t\t<h3 class=\"wp-block-kff-shared-related-content__card-title\">\n\t\t\t\t\tMaking the Marketplaces Great Again?\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t<div class=\"wp-block-kff-shared-related-content__card\">\n\t\t\t<a href=\"https:\/\/www.kff.org\/affordable-care-act\/kff-health-tracking-poll-aca-enhanced-subsidies\/\" class=\"wp-block-kff-shared-related-content__link\">\n\t\t\t\t<h3 class=\"wp-block-kff-shared-related-content__card-title\">\n\t\t\t\t\tKFF Health Tracking Poll: ACA Enhanced Subsidies\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\t\t\t<\/section>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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\u2019s 7% median proposed increase. The analysis includes proposed rate changes by state and insurer.<\/p>\n","protected":false},"author":155412884,"featured_media":670759,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"exhibits":[],"authors":[{"type":"foundation","id":528142,"name":""},{"type":"foundation","id":528153,"name":""},{"type":"guest","id":0,"name":"Kaitlyn Vu"},{"type":"foundation","id":574547,"name":""},{"type":"foundation","id":574523,"name":""},{"type":"foundation","id":528166,"name":""},{"type":"foundation","id":638556,"name":""},{"type":"foundation","id":49499,"name":""}],"jetpack_post_was_ever_published":false,"ep_exclude_from_search":false,"_classifai_error":"","_classifai_text_to_speech_error":"","hide_from_search":false,"show_featured_image":false,"subheading":"","tag":"","search_keywords":"Issue Brief, Jared Ortaliza, Matt McGough, Kaitlyn Vu, Imani Telesford, Shameek Rakshit, Emma Wager, Lynne Cotter, Cynthia Cox","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"shortlink":"","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[3962798,1274092],"tags":[954238,24788933,301221,27162330],"partner":[579145475],"content-types":[579145483],"program":[579145298],"series":[308329829],"class_list":["post-670776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordable-care-act","category-health-costs","tag-aca-marketplaces","tag-individual-market","tag-premiums","tag-rate-review","partner-peterson-center-on-healthcare","content-types-issue-brief","program-peterson","series-health-system-tracker"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much and Why ACA Marketplace Premiums Are Going Up in 2026 | KFF<\/title>\n<meta name=\"description\" content=\"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\u2019s 7% median proposed increase. The analysis includes proposed rate changes by state and insurer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.kff.org\/health-costs\/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much and Why ACA Marketplace Premiums Are Going Up in 2026 | KFF\" \/>\n<meta property=\"og:description\" content=\"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\u2019s 7% median proposed increase. The analysis includes proposed rate changes by state and insurer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.kff.org\/affordable-care-act\/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"KFF\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-06T14:04:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-09T09:57:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.kff.org\/wp-content\/uploads\/sites\/7\/2025\/08\/Update_ACA-Premium-Rate-Filings-for-2026_8.6.2025.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"kfftammies\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" 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