How much are ACA premiums going up in 2027?

Nothing is final yet. In preliminary filings analyzed by KFF (July 2026), 77 insurers across 16 states and Washington, D.C. proposed a median increase of 14%, with most requests between 10% and 20%. State regulators typically negotiate final rates down before Open Enrollment.

Why are health insurance premiums increasing so much in 2027?

Three main drivers: medical and drug costs rising about 10% (including GLP-1 medications), a sicker risk pool after enhanced subsidies expired at the end of 2025, and new federal marketplace rules that add pricing uncertainty.

Will subsidies protect me from the 2027 increase?

Partially, if you qualify. Subsidies cap your payment as a share of income, so they absorb some of the increase. But if your income is over 400% of the federal poverty level, you pay the full premium — and the full increase.

What can I do if my 2027 premium is unaffordable?

Compare all three lanes before Open Enrollment ends December 15: a different marketplace plan (switching is free), a private health-based plan (often cheaper for healthy applicants, enrolls year-round), or — if your income qualifies — checking whether you're leaving subsidy money on the table. A licensed agent can run all three comparisons for free.