About 13%: what KFF’s HealthCare.gov estimate covers.
KFF estimates that average premiums on HealthCare.gov will rise about 13% for 2027, as reported by The Hill on October 31, 2026. It follows a double-digit increase for 2026 and arrives shortly before open enrollment begins.
The figure is an average across plans and markets, so it describes the pool and not a single household or an employer group. Send us your renewal and we will give you a second opinion in writing.
Three things to know about the number.
Where it applies
The estimate uses 2027 pricing data for the states that use the federal marketplace, which includes Michigan. Michigan’s HealthCare.gov enrollment is about 497,000 residents, per DIFS.
How it compares
KFF’s review of insurer filings found a median proposed increase of 15% for 2027. The Hill reports that employer plans are expected to rise roughly 10%.
What it is not
It is not a forecast of your renewal. Individual-market and employer rates are set in separate pools, and your own group’s claims drive your number.
Keep reading.
HealthCare.gov premiums rise again in 2027
What the 2027 marketplace increases mean for an employer plan. Back to the marketplace page.
Keep reading on 2027 marketplace premiums.
Where these figures and rules come from.
Figures and rules
KFF and The Hill: KFF estimates about 13% for HealthCare.gov in 2027, as reported by The Hill on October 31, 2026; KFF’s review of insurer filings found a median proposed increase of 15% (KFF, How Much and Why ACA Marketplace Premiums Are Going Up in 2027). DIFS, Open enrollment is coming (October 26, 2026). This page is general information, not legal or tax advice.
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