Why are marketplace premiums rising for 2027?
KFF points to rising health care prices as the main driver, along with general inflation and labor costs reported in insurer filings.
A second factor is specific to the individual market. Send us your renewal and we will give you a second opinion in writing.
The drivers, in the order KFF lists them.
Prices for care
Insurers cite higher costs for health services, general inflation and labor shortages.
Expired subsidies
The enhanced premium tax credits ended after 2025, which changed who buys coverage. Read what the expiration means for employer plans.
A sicker pool
Insurers report that average health risk in the pool has risen, which feeds into rates.
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.
Should I Tell Employees to Buy on HealthCare.gov Instead of Joining My Plan?
What Is an Individual Coverage HRA and Is It Affected by 2027 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). This page is general information, not legal or tax advice.
Send us your renewal.
Four documents — the renewal letter, the plan summary, the contribution split by tier and enrolled counts by tier. We’ll come back with a competitive read, where we see opportunity, and the five questions we’d put to your carrier.
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