How much and why ACA Marketplace premiums are going up in 2027 By Matt McGough, Jared Ortaliza, Ashley Ferguson, Imani Telesford, Shameek Rakshit, Emma Wager Twitter, Lynne Cotter, and Cynthia Cox KFF July 8, 2026

https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2027/?utm_campaign=KFF-This-Week&utm_medium=email&_hsenc=p2ANqtz-9M6CLEki8FyENsvAAD-AK55xRDXfS4c_Ekvhih96996bSLVMfQnGMqK9sT2qobGZuD4rcKXfpPaMUkIrSXGkc3gOaeIA&_hsmi=427848216&utm_content=427848216&utm_source=hs_email Every spring and summer, health insurers submit rate filings to state regulators detailing expectations and premium rate changes for individual market health plans for the coming year. This analysis focuses on individual market filings for plans selling Affordable Care Act (ACA) Marketplace coverage. These filings provide insight into what factors insurers expect will drive health costs for the coming year. The individual market is mostly comprised of people enrolled in Affordable Care Act (ACA)-compliant health plans, particularly those sold through the Marketplaces (Healthcare.gov and state-run platforms like Covered California). While less than 10% of Americans get their health coverage through the individual market, many of the factors driving premiums in this market – like growth in hospital or pharmaceutical costs – are similar across all private plans, and the detailed filings available for ACA-compliant coverage provide insight into these cost drivers. There are also issues unique to ACA Marketplace plans, including federal premium assistance for most purchasers and regulations governing how they operate.