A KFF review of 77 public insurer filings found a median proposed 14% premium increase for 2027 ACA marketplace plans, pointing to a second straight year of double-digit hikes.
Insurers tied the increases to rising hospital, drug and labor costs, plus federal regulatory changes and the January expiration of enhanced subsidies that had held down consumer premiums.
More than 2.5 million people left the ACA marketplace over the past year after those tax credits expired, according to Trump administration data, leaving a smaller, sicker risk pool that pushes rates higher.
Middle-income households above 400% of poverty—about $63,000 for one person or $129,000 for a family of four—face the sharpest hit because they do not qualify for subsidies.
The proposed hikes, still subject to final approval later this summer, suggest affordability pressures could spread beyond ACA plans to other private coverage, including employer-sponsored insurance.