Affordable Care Act Insurers Want More Premium Increases as Enrollment Sags
Source: KFF
By Rachel Spears July 8, 2026
For the second year in a row, many Affordable Care Act insurers are proposing double-digit premium increases, driven by rising medical costs as well as policy changes by Congress and the Trump administration.
In preliminary filings with state regulators, insurers are seeking a median rate increase of 14% for 2027, according to an analysis of filings in 16 states and the District of Columbia by the Peterson-KFF Health System Tracker.
If those rates are ultimately approved, it would be the second-highest increase since 2018.
That would be a triple whammy for consumers, said Cynthia Cox, a senior vice president and the director of the Program on the ACA at KFF, because they have already had to pay higher premiums in 2026 and saw the expiration of more generous tax credits to offset their premiums at the end of last year.
President Joe Biden sought to bolster the program known as Obamacare by enacting more generous tax subsidies, driving down out-of-pocket costs for consumers and increasing enrollment to more than 20 million Americans. But under President Donald Trump, Republicans have sought to scale back taxpayer support for ACA coverage, allowing the Biden-era enhanced subsidies to expire.
As of February, ACA enrollment had fallen by about 3 million people compared with the same time last year. ...................
Read more: https://kffhealthnews.org/insurance/priced-out-obamacare-affordable-care-act-aca-premium-increases-peterson-kff/?utm_source=firefox-newtab-en-us
Priced Out
— (@oceancalm.bsky.social) 2026-07-08T11:06:10.979Z
Affordable Care Act Insurers Want More Premium Increases as Enrollment Sags ð¤
By Rachel Spears July 8, 2026
kffhealthnews.org/insurance/pr...
Bengus81
(10,678 posts)Mission almost accomplished Republicans. Now on to Social Security,Medicare and Medicaid
Biophilic
(6,841 posts)People cant afford the rates now so they are dropping their coverage. The answer is to increase those rates higher. I must be missing something important. Obviously Im not insurance CEO material.
twodogsbarking
(19,990 posts)flvegan
(66,740 posts)pay CEOs *checks notes* (shit, that's a lot of money) that much. Plus, do you know how much it costs to train AI to deny your claims?
Won't someone PLEASE think of the poor health insurance companies.
mdbl
(9,095 posts)MichMan
(17,746 posts)Everyone knew when it was passed when they were going to expire. I believe the original subsidies are still in place.
lonely bird
(3,146 posts)Go talk to the Republicans and the SCOTUS. They fucked things up.
progree
(13,125 posts)From the OP's link, repeated for convenience of reference
https://kffhealthnews.org/insurance/priced-out-obamacare-affordable-care-act-aca-premium-increases-peterson-kff/?utm_source=firefox-newtab-en-us
Its likely that the people who dropped their coverage were also the healthier people, because sicker people were probably going to try to make it work however they could, to stretch their budget to keep their health insurance, said Cox, of KFF, a health information nonprofit that includes KFF Health News.
Just so people are aware of this death spiral dynamic. This has been much discussed as part of the reason for the large 2026 increases.
With or without AI, this has long concerned me -- doctors upping the diagnosis and billing code to get a larger reimbursement. Doesn't that result in a person's medical record looking a lot worse than their true medical condition? I've seen a lot of discussion about the upcoding, but I haven't seen any of how it might result in a false impression of the person's condition that can mislead future providers into prescribing wrong treatments.
Intractable
(2,643 posts)The ACA solidifies the hold insurance companies have over our healthcare. (It would have been much better with a public option.)
I have an ACA plan. It's fairly good for me, but expensive to administrate.
The total monthly premium for my middle-of-the-road "silver" plan for one person is about $1500.
I pay about $180 for the premium. The ACA pays more than $1300.
On top of that, for me, there are ample deductibles and co-pays. The prescription plan is so bad, I buy my scripts without it at costplusdrugs.com.
There's got to be a better way -- one that actually lowers the cost of providing medical care. The way it all works now, we need the ACA to help pay for our premiums. But, it's just throwing money at the problem.
MichMan
(17,746 posts)It's literally right in the name. I remember when it was enacted that it was going to be so affordable that the young and uninsured couldn't wait to sign up for it. How it was going to lower costs annually by $2500 for the average person.
RainCaster
(13,960 posts)Also, we are the only country where people go bankrupt because of healthcare debt.
Is there a relationship between these? I think so...
The solution IMO is to enact single payer healthcare. Just like the rest of the world.
ihaveaquestion
(4,917 posts)Many other countries have private insurance companies, but regulate them, subsidize them and generally use them to their people's advantage instead of letting the companies dictate the terms of their people's health.
rhiannon55
(2,799 posts)helping callers sign up for the ACA. I liked it. I worked four hours a day, five days a week, and got to work from home after Covid hit. I have always had social worker type jobs, and this was a good one. I retired when my sisters cancer returned and I wanted to be with her while she went through treatment. She died anyway, a week after she got home, in March 2024. 😢
I really need another retirement job, because I was not financially ready to live on my small retirement income. I felt like I was helping people in that job, but after fuckface and his cronies started messing with the subsidies, I couldnt bring myself to go back. I knew Id spend most of my time talking to angry, disappointed people this time around.
How I hate repukes. They are the reason we cant have nice things.
Marcuse
(9,167 posts)
Karasu
(2,427 posts)insurance in the first place, but Americans have been too brainwashed for too long into believing the patchwork system we have is both normal and desirable.
MontanaMama
(24,786 posts)For years now, weve only had two companies offering health plans on the marketplace. Blue Cross of MT and Pacific Source. BC didnt want to small business or individual market and they priced their plans accordingly. Pacific Source is ending their marketplace plans at the end of this year leaving only BC. Essentially, weve gone from zero competition to a monopoly. BC wont reduce the price of their plans for marketplace customers, why would they? Pacific currently has 14,000 groups in Montana. GROUPS, not customers. Thousands of Montanans will not have insurance at the end of the year. This will be an unmitigated disaster.