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Health Insurers Propose 14% Median ACA Premium Increase for 2027
KFF analysis of filings from 77 insurers shows a median 14% rise in proposed premiums. The increase follows the end of enhanced tax credits and enrollment declines in 2026.
Jul 8, 5:00 AM·1m read2 sources
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Health insurers selling individual coverage under the Affordable Care Act are proposing a median premium increase of 14% for 2027, Forbes reported based on a KFF analysis of rate filings. , one week before the July 15 deadline for proposed premiums. If the median holds, typical ACA marketplace premiums will have risen by more than one-third over the 2025-2027 period.
Insurers listed the rising cost of health services, the expiration of enhanced premium tax credits at the end of 2025, and federal regulatory changes as primary drivers. The KFF analysis added that a less healthy remaining risk pool is expected to add another 4% to 2027 rates.
Out-of-pocket premiums rose an average of 58% in 2026 after the credits ended, while deductibles increased by about $1,000 per person.
More than 2 million people dropped ACA coverage that year, and marketplace enrollment fell 13% to 19.2 million. Several major insurers have exited or scaled back. Cigna Group announced in April it would leave the individual market, affecting about 369,000 members in 11 states for 2027.
Centene reported Obamacare enrollment of 3.58 million at the end of Q1 2026, down from 5.54 million at the end of 2025. UnitedHealthcare enrollment fell to 1.4 million in 2026 from 1.7 million in 2025. CVS Health had announced plans a year earlier to exit the business, affecting about 1 million Aetna members in 17 states for 2026.
The 14% median increase is the second-highest since 2018, Reuters reported.
